AARP Member Homeowners Insurance in Washington State

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Protect Your Home With Home Insurance in Washington State

Washington homeowners insuranceWhether you’ve recently moved or are just looking for new homeowners insurance in Washington State, the AARP® Homeowners Insurance Program from The Hartford1 offers customizable coverage to help protect your home and belongings from the unexpected.
 
Since 1984, The Hartford has been protecting AARP members all over the Evergreen State – from Tacoma to Spokane and Yakima to Seattle. We understand the unique needs Washington homeowners face, like intense winters and heavy rainfall. Get a quote online in minutes and start protecting your home in Washington State today.
 

Is Home Insurance in Washington State Required?

couple protected by homeowners insurance washington stateWhile homeowners insurance may be legally required in some states, it isn’t in Washington. However, if you own a home and have a mortgage, your mortgage lender will require you to have insurance coverage. And even though home insurance isn’t required in Washington, it’s still smart to have. Your insurance coverage not only protects you if your home is damaged, but it can also help cover defense costs and medical payments if someone who doesn’t live with you is injured on your property.
 

How Much Does Homeowners Insurance Cost in Washington?

man researching wa home insuranceAccording to 2024 home insurance rates, the national average for home insurance premium is $1,915. The average annual cost of home insurance for Washington State residents is about 30% lower, at $1,225 per year.2
 
Homeowners insurance companies calculate insurance premium based on several factors, including your:
 
  • Home’s age
  • Zip code
  • Claims history
  • House size

WA Home Insurance Coverages

couple getting a homeowners insurance Washington quote online
Choosing the right amount of coverage is important to protect your home. If you have to file a claim for a total loss, you’ll want enough coverage to fully rebuild your home. This amount is known as the replacement cost and includes the price of materials and labor to rebuild your home, plus the cost to clean-up debris on your property after a loss.
 
The Hartford offers customizable homeowners insurance coverage for AARP members in Washington State, such as:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.3
 

Additional Coverages for Washington Homeowners

Due to the specific challenges that homeowners in Washington face, you may want to add additional protection that will help cover your unique risks. These aren’t automatically included as home insurance standard coverages, but you can extend your protection with:
 
  • New for Old” Protection ‡‡ to help replace your destroyed belongings with new ones of the same quality.
  • Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
  • Identity fraud expense coverage, which reimburses you for out-of-pocket expenses, up to certain limits, to help you recover after fraud or identity theft. See your policy for specific limits.
  • Disappearing property deductible,‡‡  which reduces your deductible every year when you go three consecutive years without having an insurance loss. 
  • Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. . It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly.  Keep in mind that this does not include normal wear and tear.
  • Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.
It’s important to know that flood insurance isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***
 

Ways AARP Members Can Save on WA Home Insurance

The Hartford offers several homeowners insurance discounts to help AARP members in Washington State save on their home insurance. Through the AARP Homeowners Insurance Program from The Hartford, you can take advantage of discounts such as:
 
  • Bundle Auto and Home Insurance: You can save $813 by bundling your home and auto insurance policies with The Hartford.**
  • Home Security Systems: Simple changes, like adding burglar alarms or security systems, can get you home insurance discounts.
  • Fire Protection: If you install devices like fire sprinkler systems and monitored alarms, you could get a home insurance discount.
  • Claim-free Discount: The longer you've been claims-free, the more you can save on your home insurance policy. (Availability varies by state.)

Frequently Asked Questions About Homeowners Insurance in Washington

According to 2024 rates, the average annual cost of Washington homeowners insurance is about $1,225 per year.4
Home insurance prices have climbed over the last few years.5 But there are things you can do to keep your insurance costs down, like bundling your auto and home policies to save over $800.**
 

Get a Free Quote for Homeowners Insurance in Washington State

Washington homeowners can count on The Hartford to be there when you need us. No matter where you live in WA, we’ve got you covered – from Vancouver, Bellevue, Kent, Everett and everywhere in between. Discover all that our homeowners insurance in Washington State has to offer with the AARP Homeowners Insurance Program from The Hartford. Get a quote online or speak to a representative at 877-422-2345 to learn more about the benefits and coverage options available to you.
 
 
Last Updated: November 7, 2024
 
3 Medical payments are calculated on the basis of usual, customary and reasonable charges.
 
2,4,5 Bankrate, “Home insurance rates by state for November 2024.”
 
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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