Purchasing a home insurance policy for your Washington, D.C., home can give you peace of mind. In exchange for a monthly premium, your policy will help safeguard you from expensive, unexpected costs when damage occurs.

Once you decide you need to purchase a homeowners insurance policy in Washington, D.C., you need to do some research. While there are many home insurance companies in the district, not all offer the same coverage and quality of customer service for the same cost. Below, we highlight the top companies to consider.

To get home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

Washington, D.C.’s Top 4 Homeowners Insurance Companies

The highest-rated homeowners insurance companies in Washington, D.C., include:

  1. Allstate: Best Overall
  2. Farmers: Most Customizable Coverage
  3. Travelers: Most Experience
  4. Lemonade: Best Valuable Coverage

The best homeowners insurance companies in Washington, D.C., provide affordable premiums and extensive coverage with a variety of customizable add-ons. Read on for our top picks for Washington, D.C., home insurance.

Compare the Best Home Insurance Companies

See how the top homeowners insurance companies in Washington, D.C., stack up on key metrics.

Comparison

Provider Known For Get a Quote Score Monthly Cost* Years in Business States Covered BBB Rating
Provider Known For Get a Quote Score Monthly Cost* Years in Business States Covered BBB Rating
Allstate Best Overall Not available through This Old House 98.10 $64 89 50 A+
Travelers Most Experience Not available through This Old House 93.60 $58 167 50 A+
Farmers Most Customizable Coverage Not available through This Old House 94.40 $28.75 92 50 A+
Lemonade Quickest Sign-Up Visit Site 83.50 $25 and up 5 23 B+

*Cost may be calculated for homes of slightly varying values

Industry-Standard Coverage

The majority of home insurance companies offer six essential forms of coverage—dwelling, other structures, personal property, loss of use/additional living expenses, personal liability, and medical payments to others. Each one of our top recommendations offers this coverage. You can find a breakdown below.

Coverage

Type Description
Type Description
Dwelling + other structures Covers the cost of repairing or replacing the home’s interior and exterior, in addition to any other structures on the property
Personal property Covers the cost of replacing personal possessions, including clothing, electronics, and furniture
Personal liability Covers the cost of attorney fees, court fees, and damages resulting from someone being injured on your property
Loss of use/additional living expenses Covers the cost of living expenses like accommodations and dining if your home is temporarily uninhabitable due to covered damage or destruction
Medical payments to guests Covers the cost of medical expenses if someone is injured in the home

1. Allstate

Allstate, the second-largest home insurance company in the country, has strong financial backing and a longstanding reputation. Its comprehensive list of endorsements includes sports equipment coverage and identity theft protection. Allstate stands out with its 24/7 customer service center. Its customer service representatives are available to answer all kinds of home insurance questions—not just assist with claims.

Weigh the pros and cons of Allstate below.

Pros and Cons of Allstate 

Pros Cons
Pros Cons
Extensive endorsement options to customize your policy Average customer satisfaction ratings
Second-largest homeowners insurance provider in the U.S.
24/7 customer service for all insurance questions

Plans and Pricing of Allstate

We received an instant quote for a single-family, new construction, approximately 2,000-square-foot home in Washington, D.C., valued at roughly $320,000. The monthly premium came out to $177.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $320,300
Other structures $32,000
Personal property $192,000
Loss of use $32,000
Liability $100,000 per occurrence
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $64

Discounts

Allstate offers many discounts to help reduce the cost of your premium:

  • Multi-policy
  • Early signing
  • Claim-free
  • Home alarm
  • Roof
  • Smoke-free
  • Storm shutter
  • Homebuyer
  • Easy Pay Plan
  • Age 55 and retired
  • Welcome and loyalty

Allstate Endorsements

Here, you can see a sample of Allstate’s endorsements. Add-on coverages might vary depending on the state, but you can confirm which ones are available in your personalized quote.

Endorsements 

Type Description
Type Description
Personal umbrella policy Increases limits of personal liability coverage and adds coverage for lost wages and legal fees
Earthquake Covers repairs or replacement of your home after an earthquake
Flood Covers repair or replacement of your home in the event of a flood (required for homeowners in certain locations)
Water backup Covers water damage caused by clogged drains or sump pump failure
Scheduled personal property Covers valuable personal belongings, including jewelry, antiques, and more
Business property Covers computers and other home office equipment or equipment from a small business run out of the home
Sports equipment Covers golf clubs, skis, bicycles, and other sports equipment
Identity theft protection Covers legal fees and others costs associated with identity theft or fraud
Green improvement reimbursement Increases coverage to upgrade appliances with more energy-efficient uses after a loss
Electronic data recovery Covers costs from recovering lost computer data
Yard and garden Covers trees, landscaping, and ornamental plantings, or adds coverage for lawn equipment
Musical instruments Covers valuable musical instruments

2. Farmers

Farmers is a popular home insurance company that is known for its reliability. The provider offers several uncommon perks, like declining deductibles and claim forgiveness. The declining deductibles policy means that Farmers will reduce your deductible by $50 every year your policy is in force. Claim forgiveness waives your surcharge if you go five or more years without filing a clam.

Weigh the pros and cons of Farmers below.

Pros and Cons of Farmers

Pros Cons
Pros Cons
Claim forgiveness Fewer endorsements than competitors
Declining deductibles Website lacks some details
Available nationwide

Plans and Pricing of Farmers

We received an instant quote for a new construction, single-family, approximately 2,100-square-foot home in Washington, D.C., valued at roughly $190,000. The monthly premium came out to $148.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $194,000
Other structures $9,700
Personal property $77,600
Loss of use $19,400
Liability $300,000
Medical payments to others $1,000
Deductible $1,000
Monthly Cost $28.75

Discounts

Farmers offers several discounts to lower your monthly premium:

  • Claim-free
  • Non-smoking
  • Multi-policy
  • Protective devices
  • New home
  • Roofing materials

Farmers Endorsements

Farmers offers several endorsements to help you round out your coverage.

Endorsements

Type Description
Type Description
Eco-rebuild Provides extra coverage to rebuild your home with green, energy-efficient materials after a covered loss
Personal articles floater Provides additional coverage for valuables like art, collectibles, or jewelry
Identity Shield Provides coverage if your identity is stolen, up to your policy limit
Contents replacement cost Provides the full replacement cost of stolen or damaged property (not less depreciation)

3. Travelers

Travelers is one of the most experienced home insurance companies in the industry, with more than 160 years under its belt. The company has a proven track record and a variety of attractive endorsements. This environmentally friendly endorsement helps cover the cost of reconstructing your home with green materials in the event of a covered loss.

Weigh the pros and cons of Travelers below.

Travelers Pros and Cons

Pros Cons
Pros Cons
More than 160 years of experience Few discounts available comparatively
Some less common endorsements, like its Green home endorsement Poor reviews for mobile app
Available nationwide

Plans and Pricing of Travelers

We received an instant quote for a new construction, single-family, approximately 2,200-square-foot home in Austin, Texas, valued at approximately $310,000. The monthly premium came out to $58.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $312,000
Other structures $31,200
Personal property $156,000
Loss of use $62,400
Liability $100,000
Medical payments to others $2,000
Deductible $1,000
Monthly Cost $58

Discounts

Travelers offers several discounts to help you reduce the cost of your policy:

  • Multi-policy
  • Loss-free
  • Homebuyer
  • Protective device
  • Green home

Travelers Endorsements

Travelers offers multiple add-on coverage options.

Endorsements

Type Description
Type Description
Contents replacement cost Pays to replace damaged or destroyed belongings at actual value, not factoring in depreciation
Additional replacement cost Adds an additional amount of up to 25% of your dwelling coverage if there is an increased cost to rebuild your home
Personal articles floater Provides coverage of specific, documented items
Jewelry and valuable items Additional coverage for valuable items like jewelry and fine art
Green home Helps pay to repair, replace, or rebuild your home with green materials after a covered loss
Valuable Items Plus Additional coverage for valuable items like jewelry, computers, and musical instruments
Identity theft Pays up to $25,000 for costs related to identity theft
Water backup Pays for damage to your home caused by sewer or drain backup and sump pump failure

4. Lemonade

This newcomer to the homeowners insurance industry has made a big impact in just a few years. Lemonade has an emphasis on both technology and charity. Its convenient, efficient mobile app allows homeowners to upload videos detailing their insurance claims—and almost a third of claims are handled instantly. A unique provider, Lemonade pools the premiums of its customers and donates any leftover money to charity at the end of the year.

Weigh the pros and cons of Lemonade below.

Pros and Cons of Lemonade

Pros Cons
Pros Cons
Efficient, speedy mobile app Not available nationwide
Nearly a third of claims handled instantly No auto insurance
Charitable Giveback program

Lemonade Plans and Pricing

We received an automatic quote for a new construction, single-family, approximately 2,200-square-foot home in Eureka, California. The monthly premium came out to $60.75.

Plans

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $350,000
Personal property $175,000
Loss of use $105,000
Liability $300,000
Medical payments to others $1,000 per person
Deductible $1,000
Monthly Cost $60.75

For the most accurate cost information, we recommend getting a quote directly from Lemonade. To get a free quote, visit the company’s website.

Discounts

Lemonade offers several discounts to help lower the cost of your monthly premium:

  • Fire protection
  • Protective devices
  • Gated community
  • Multi-policy

Lemonade Endorsements

Lemonade offers a variety of optional add-on protections.

Endorsements 

Type Description
Type Description
Scheduled personal property Covers the cost to replace damaged or stolen valuable items like jewelry, art, and furs
Home business Covers operating a business out of the home
Earthquake Covers the cost of repairing and rebuilding structures after damage from an earthquake
Sewer backup Covers cost of damage to home after sewer backup

Our Conclusion

Each of our top recommendations stands out with features. Allstate is our selection for best overall, with extensive endorsement options and a 24/7 customer service center. Travelers has more than 160 years of experience and a proven track record. Farmers offers benefits like claim forgiveness and declining deductibles, and newcomer Lemonade offers technologically advanced solutions to home insurance.

Before you purchase a home insurance policy in Washington, D.C., we recommend getting a free quote from all four providers to compare coverage and pricing. To do this, you can call 855-948-5219 or enter your zip code in the tool below.

Frequently Asked Questions

What is the average monthly cost of homeowners insurance?

According to Zillow, the average monthly cost of homeowners insurance is $35 per month for every $100,000 of home value.

Who has the cheapest homeowners insurance?

Of the homeowners insurance companies we’ve evaluated, Lemonade and Costco have some of the most affordable rates.

What insurance company is best for homeowners?

We believe that Allstate is the best overall option for homeowners insurance, with extensive endorsement options to help you customize your coverage and a 24/7 customer service center.

Our Methodology

The This Old House Reviews team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.



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PAUL WALKER

PAUL WALKER

Lonely traveler, l like to explore with my camera and my laptop every part of the earth.