District of Columbia
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Washington, D.C., Homeowners Insurance Quotes

Is searching for Washington, D.C., homeowners insurance quotes stressing you out? Take a deep breath and let HomeownersInsurance.com help you out. Our licensed agents can get you a free quote in minutes.

Our agents understand D.C. residents want an affordable policy without sacrificing coverage. When you work with HomeownersInsurance.com, you can get both. Simply fill out the quote form above or call 1-877-919-2740 and one of our dedicated agents will start finding you a free competitive quote.

Recent Washington, D.C., homeowners insurance quotes

Wondering how much others are paying for homeowners insurance in Washington, D.C.? Take a look at the details of the last five policies written in Washington, D.C., by HomeownersInsurance.com agents.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $472 $767 $1,491 $1,314 $9,222
Premium with Auto Discount$401†$652†$1,267†$1,117†$7,839†
Carrier ASI Travelers Liberty Mutual Liberty Mutual Travelers
Zip 20020 20015 20018 20002 20015
Year Built 2002 1930 1926 1905 1952
Foundation type Basement Basement Basement Slab
Lot Size N/A N/A N/A N/A N/A
Square Feet N/A N/A N/A N/A N/A
Bedrooms N/A N/A N/A N/A N/A
Bathrooms N/A N/A N/A N/A N/A

Primary Heat Source Central Gas Central Gas Central Gas Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Get your own personalized quote today! Simply enter your ZIP code in the form above or call us directly at 1-877-919-2740 and an agent will get you a free quote.

Washington, D.C., Homeowners insurance discounts

It never hurts to look for more ways to lower your monthly payment. Home insurance experts recommend shopping coverage annually so you can be sure you have the best rate available.

Experts also recommend taking advantage of available discounts. Agents at HomeownersInsurance.com will even find the discounts for you. Here are some common price breaks you may want to ask your agent about:

  • Bundling: Purchase your auto policy and your Washington, D.C., homeowners insurance policy through the same provider and you could earn up to 20% in price breaks on your monthly premiums.
  • Security: Home security systems can be a big deterrent to burglars. While keeping your home safe, they also can qualify you for savings of up to 10% and sometimes more.
  • Fire: The average cost of a house fire is $33,000, so providers reward safe homeowners by offering lower rates to homes with sprinkler systems, smoke detectors, and non-smoking families.
  • New Home: Did you know that buying new or owning a home that's less than 10 years old can qualify you for lower premiums?

Standard Washington, D.C., homeowners insurance coverage

Do you know what's typically included in a standard Washington, D.C., home insurance policy? Six types of coverage, namely:

  • Dwelling: Protects your home's structure against damage and possible loss in the event of a covered peril such as wind, hail, or fire.
  • Other Structures: Standard Washington, D.C., homeowners insurance offers coverage for detached buildings on your property such as sheds, separate garages, fences, etc., in the event of a covered event.
  • Contents/Personal Property: Provides protection for items inside your home in the event they are stolen or destroyed by a covered peril. This can include items such as furniture, electronics and clothing.
  • Loss of Use: Standard policies can provide coverage for living expenses in the event your home becomes uninhabitable due to a covered claim. These expenses may include hotel accommodations or restaurant bills.
  • Personal Liability Protection: Gives you financial protection in the event that a visitor is injured on your property and decides to sue you.
  • Medical Payments: If someone gets injured on your property but doesn't sue you, this protection can help with medical bills.

Capital-worthy protection for District residents

While D.C. may be the nation's capital, your home is your family's capital, which is why it deserves the best protection. Standard Washington D.C. homeowners insurance offers coverage for most weather perils including wind, lightning, hail, ice, snow and fire.

However, standard D.C. homeowners insurance policies do not provide coverage for damage from earthquakes or floods. For these perils, homeowners would need to purchase separate policies.

The District's location may protect it from some East Coast hurricanes, however, it's not uncommon for D.C. residents to still experience strong thunderstorms. And while the Atlantic Ocean may not be as much of a threat, the Potomac River can cause its own flooding problems. Even if you think your home isn't at risk, its not a bad idea for all homeowners to consider flood coverage through the National flood Insurance Program.

Weather can be unexpected and when it comes to your biggest investment it's best to cover all the bases. Learn more about the National Flood Insurance Program here.

Not sure what perils are covered by your home insurance? Review your policy and adjust your coverage if you aren't fully protected. Always refer back to your policy and contact your agent if you have questions regarding your coverage.

Need more information?

Visit The District of Columbia District of Columbia Department of Insurance & Securities Regulation.