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Condo insurance isn’t required by law in Washington, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Washington, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Washington with average annual rates.

Key takeaways

  • The residents of Washington pay an average of $607 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, State Farm is the top pick for the best condo insurance company in Washington.
  • Allstate offers the cheapest condo insurance in Washington at an average of $276 per year.

Best condo insurance companies in Washington

In Washington, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Washington. Below are the best condo insurance companies in Washington based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
3.9
USAA884A++
3.8
Allstate815A+
3.8
Nationwide816A+
3.7
American Family842A
3.3
Farmers792A
2.7

Average cost of condo insurance in Washington

The average cost of condo insurance in Washington is $607 a year or $51 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$607$51

CONDO INSURANCE CALCULATOR

Average condo insurance rates in WASHINGTON

$60,000
$1,000
$100,000
98125 - Seattle
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $573

HIGHEST RATE: $834 LOWEST RATE: $268

Most & least expensive zip codes for condo insurance in Washington

Most Expensive

Zip CodeCityHighest Rate
98158Seattle$676
98131Seattle$670
98132Seattle$670
98118Seattle$669

Least Expensive

Zip CodeCityLowest Rate
98061Rollingbay$511
98310Bremerton$511
98110Bainbridge Island$511
98311Bremerton$511

Condo insurance rates by company in Washington

Rates for condo insurance by company in Washington vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Washington. The cheapest company for condo insurance in Washington is Allstate. Nationwide, and State Farm, are the second and third cheapest options.

CompanyAverage Annual Rate
Allstate$276
Nationwide$305
State Farm$465
PEMCO$480
American Family$549
Farmers$558
USAA$946

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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