Washington D.C. Homeowners Insurance

Average Washington D.C. homeowners insurance rates cost $77/mo, but you may see higher rates if you own an older home or need additional coverage. The easiest way to lower your Washington D.C. home insurance costs is to comparison shop online. Start right here with our free ZIP code search below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 7, 2020

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You may already know what type of policy you need, and you may have established that the average price of Washington D.C. homeowners insurance coverage is $926/yr ($77/mo). But what exactly is included in the policy?

This guide should give you enough information to understand what you’re buying and why you need more of some types of coverage than others.

  1. Dwelling
    This is the home itself. If there is more than one residence on the property, the dwelling coverage is for the primary structure. Dwelling insurance covers the roof, walls, plumbing and electric. It does not include personal property.
  2. Other Structures
    Any buildings other than the dwelling are covered under the “other structures” portion of your home insurance. This could include a guest cottage, a garage or any other constructions, either functional or decorative.
  3. Personal Property
    Everything that you own on this property which is not part of the dwelling or other structures is your personal property. The best way to track your possessions is to create a home inventory. Go from room to room in your home with a video camera and examine everything in the room. Lawn mowers and other outdoor equipment should be included in a home inventory, along with an inventory of your wardrobe, and any privately owned valuables or jewelry.
  4. Loss of Use
    If a room or portion of your home is no longer usable because of a named peril in your policy, you are protected against the costs of staying elsewhere or performing your daily routines. Save your receipts, even your laundry receipt if you are not able to do your laundry because of the storm. Loss of use is meant to allow you to continue your lifestyle in an accustomed manner until the home has been repaired.

Average Washington D.C. Homeowner Insurance Rates vs. US

Source: USCB

Cheaper Washington D.C. Home Insurance

The average cost of home insurance in Washington D.C. is $926. To get the best rates on home insurance, take a look at the following basic tips that can reduce your monthly costs. If you make your home safer, reduce the risks for the home, and do what you can to minimize your own risk assessment you will save money on your premiums for years to come.

  • Home Security
    Beefing up your home security is an excellent way to get cheaper home insurance. There are three ways you can increase the security of your home and get discounts: Install deadbolt locks, install a fence around the property and install a security system that is monitored by an outside company.
  • Smoking and Insurance
    Smokers pay more for home insurance than owners of homes without smokers. It is not so much a matter of smoking being bad for your health as it is the fact that smoking creates a fire hazard. When you quit smoking, you reduce the risk of fire, and that will save you money on your premiums.
  • Credit Score and Insurance Risk
    Your basic risk is calculated according to your credit score. In Washington D.C., the average credit score is 679, and if yours is higher than that number, you can expect to pay lower than average premiums.

Home Characteristics Affecting Washington D.C. Insurance Rates

It is a good idea to purchase replacement coverage if you live in one of the many older homes in the Washington D.C. area. Replacement coverage will pay for repairs or replacements regardless of the current cost. Without this coverage, you will only receive a depreciated amount in your settlement, which is probably not enough to get the repairs done. In fact, if your home is older than the average 61 years, you may want to go ahead and get a different type of home insurance, the HO-7 homeowner’s policy, which is specifically designed for older houses that cannot be realistically repaired using today’s modern materials.

Defending Your Home Against Crime & Vandalism

Protecting your home against burglary or vandalism is not as hard as you might think, plus you can get discounts on your home insurance in the bargain. If you install deadbolt locks or a security system, your insurance premiums should go down. Remember that the security system has to be professionally installed and must be monitored by an off-site company. You can even improve security around the home by installing a fence such as a tall privacy fence.

Local Natural Disasters Washington D.C. Homeowners Should Consider Protecting Against

Our nation’s capital is not prone to earthquakes or tornadoes, but it does see an occasion tropical storm or hurricane. Understanding the type of weather your home faces will help you get the right insurance coverage to protect it against the forces of nature.

  • Earthquakes
    Ranked at 48 out of 51, Washington D.C. is the third least likely place in the country for a hurricane.
  • Flood
    Washington D.C. residents filed 23 claims in 2009, while the nation as a whole filed 46,621 flood claims. That may look like there is no need for flood insurance, but keep in mind that each one of those claims would have been out of pocket expenses if the home owners had not purchased flood insurance. Everyone needs flood insurance, plain and simple.
  • Hail
    Hail storms do occasionally strike the area, but you do not need special coverage for it. Hail is covered under the wind storm portion of your standard policy.
  • Hurricanes
    Hurricanes and tropical storms strike Washington D.C. on rare occasions. You do not need to purchase special hurricane coverage, but remember that flooding is common when a major storm of this type hits, and flood insurance is always a separate purchase.
  • Tornadoes
    Tornadoes are rare in the nation’s capital, but they can strike now and then. The good news is that your standard homeowners insurance should cover damage from a tornado. The exception to this is if the damage is caused by flooding, which a common trait of tornadoes. Flood insurance is sold as a separate policy or a rider on your current coverage.
  • Wildfires
    Around 74,749 wildfires affect our country each year, and Washington DC is as susceptible as anywhere else. Wildfires are included in the fire damage portion of your home insurance policy, so you do not need to buy additional coverage.

Washington D.C. Homeowners Insurance Optional Coverage

If your personal property is worth more than 10 percent of the home, you will probably need to purchase some additional personal property insurance. Another type of coverage that many people discover they don’t have enough of is liability insurance. This protects you against lawsuits from people who are injured on your property as well as paying for their injuries.

Important Contact Information


Washington D.C. Department of Insurance

810 First Street NE
Suite 701
Washington, DC 20002
Phone: (202) 727-8000
Website

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