Washington Homeowners Insurance

Living in the Evergreen State

Geoducks, salmon and coffee. Biking, boating, hiking and snowboarding. Washingtonians enjoy their own particular flavor of Northwest life. From the Olympic Peninsula to the Puget Sound and from the Cascade Range to the Columbia Basin, Safeco offers insurance for your home in the Evergreen State. When considering home insurance coverage in Washington state, keep in mind how severe weather and extreme acts of nature in the Northwest have the ability to adversely affect your home and property. Get your Washington home insurance quote today.

Washington Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Washington homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Washington homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Washington homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

Washington Home Insurance Discounts

Safeco offers several ways for Washingtonians to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about ways to save with Washington home insurance discounts.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Washington homeowners insurance quote today and start saving tomorrow.

More Than One Policy

Washingtonians who also have an active auto or umbrella policy with Safeco may qualify for a homeowners insurance discount.

Washington Home Insurance Coverage Options

All Safeco Washington homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Washingtonns have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Earthquake Insurance

Earthquake insurance in Washington state is available as a separate policy for homes that meet certain eligibility and construction requirements. Talk to your local Washington Safeco insurance agent about protecting your home with earthquake insurance..

Above and Beyond

With extended dwelling coverage an extra 25% or 50% more coverage can be added to your base Washington homeowners insurance policy to help pay for unexpected repair or rebuilding costs that exceed the standard amount covered in your base policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Washington homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Washington

Flooding in Washington

The Northwest is known for its rainy weather. Spring rain and snow thaw are the most common sources of flooding in Washington state. In November of 1990, the Interstate 90 floating bridge across Lake Washington sank due to flooding and twenty miles of Interstate 5 in southern Washington were closed for several days in the winter of 2007.

Is flood damage covered by home insurance in Washington?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Mudslides and Mudflows in Washington

Western Washington is susceptible to mudslides and mudflows due to the amount of rain the region receives each year. Mudflows are different than mudslides. According to the National Flood Insurance Program “mudflows are rivers of liquid and flowing mud on the surface of normally dry land.” Mudslides are a type of landslide typically caused by sloping ground inundated with water.

Does home insurance cover mudslides and mudflows?

Mudlfows and mudslides are not generally covered by a standard homeowners insurance policy. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Winter Weather in Washington

Split by the Cascade Range, eastern and western Washington experience distinctly different winter climates. Western Washington winters are mostly wet and mild while the central and eastern regions more frequently get below freezing temperatures and snow. Common winter weather problems include frozen pipes, roof collapse from snow, falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that fall and damage your home

Is winter weather damage covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.

Earthquakes in Washington

With numerous fault lines crisscrossing the state, communities throughout Washington are susceptible to earthquake damage. In February 2001, the Puget Sound region was rattled by the magnitude 6.8 Nisqually earthquake. The U.S. Geological Survey places Washington in the top ten earthquake states.

Does home insurance cover earthquake damage in Washington?

Earthquake insurance is available as an optional policy for Washington homes that meet certain eligibility and construction requirements. Talk to your local Safeco insurance agent about earthquake insurance for your home in Washington.

Wildfires in Washington

In the summer of 2012 Washington state experienced an unusually high number of wildfires started by lightning. Every summer, wildfires in Washington are started both naturally and by human error and carelessness.

Does home insurance cover wildfire damage?

Most standard home insurance policies cover the cost to repair common wildfire damage to your home and personal belongings.

Thunderstorms, Lightning and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Are lightning strikes and hail damage covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Tsunamis in Washington

There are many communities and homes along the Pacific Coast of Washington. According to the U.S. Geological Survey, a significant earthquake occurring in the Cascadia subduction zone would result in a tsunami that could threaten coastal towns and homes in Washington state.

Does home insurance cover tsunami damage?

Tsunami damage is not covered by a standard home insurance policy. To insure your home against tsunami and tidal wave damage, you need to purchase flood insurance backed by the National Flood Insurance Program.

Tornadoes in Washington

Though not a state usually associated with tornadoes, Washington does occasionally have a tornado touch down. In 1997 Washington had six tornados touch down in one day. In 1972 an F3 tornado caused significant damage when it touched down in Vancouver, Wash.

Is tornado damage covered by homeowners insurance?

Your standard home insurance typically covers the cost to repair damage caused by a tornado.

© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.