Best Landlord Insurance Companies in Washington (2026): Ratings, Market Share and Coverage

Last verified October 14, 2026 · Insurance 8020 is not a licensed insurance producer, broker or agent, does not sell policies and is not affiliated with any insurer named below.

The best landlord insurance in Washington comes from carriers that write a true landlord or rental-dwelling form, hold strong AM Best ratings, and already write a large Washington homeowners book. We ranked four national carriers with verified landlord product pages we could fetch on October 14, 2026, then layered in Washington Office of the Insurance Commissioner (OIC) homeowners company market share, NAIC 2025 group homeowners market share and dated AM Best financial strength ratings. We do not rank on price, because neither Washington OIC nor the NAIC publishes a Washington landlord premium average.

Key Takeaways

• State Farm leads on Washington property scale - State Farm Fire and Casualty wrote 16.02% of Washington homeowners multiple-peril premium in OIC’s company table, and State Farm Group held 16.35% of 2025 group premium. State Farm sells a documented Rental Dwelling policy with dwelling, personal property, loss of rents and liability.
• Liberty Mutual (including SAFECO) is the second-largest Washington homeowners group with a landlord package - Liberty Mutual Group held 14.31% of 2025 Washington homeowners premium, and SAFECO Insurance Company of America was second among companies in the OIC Appendix E table at 12.35%. Liberty Mutual publishes a landlord insurance page that lists dwelling, premises liability, wind/hail and fair rental value.
• Allstate is a top-three Washington homeowners group with a landlord package - Allstate Insurance Group held 11.43% of 2025 Washington homeowners premium, and Allstate Vehicle and Property held 6.37% of company premium. Allstate publishes a landlord and hosts page that lists fair rental income among standard coverages.
• Travelers holds the top AM Best grade among ranked carriers - AM Best affirmed Travelers’ A++ (Superior) rating on August 21, 2026, Travelers Group wrote 4.82% of 2025 Washington homeowners premium, and Travelers publishes a landlord policy for one-to-four unit rentals.
• Washington HO-3 sits below the national average - the NAIC’s 2023 Washington HO-3 average was $1,232, 29.1% below the $1,737 countrywide average, but that figure is owner-occupied, not a landlord average.
• Price alone cannot decide this ranking - the NAIC publishes a Washington dwelling fire form average of $886 for 2023 data, but that series is collected for owner-occupied buildings and is not an official landlord average.

How we ranked these Washington landlord insurance companies

We included only carriers with a working landlord or rental-dwelling product page we could fetch on October 14, 2026, plus a dated AM Best financial strength rating and a material Washington homeowners book in Washington OIC’s company report or the NAIC’s 2025 group market-share report. Farmers public landlord URLs failed to return usable pages on October 14, so we did not rank Farmers. USAA ranks fifth by 2025 group share in Washington, but we did not rank USAA here because membership eligibility and a verified public landlord product page were not established for this listicle. Homesite and PEMCO appear in OIC’s top company list, but we could not verify public landlord product landing pages for them on October 14, so they are not ranked here. J.D. Power property claims scores measure homeowners claims satisfaction, not landlord-specific claims, so we report them separately.

Rank	Carrier	AM Best FSR	2025 WA HO share (NAIC group)	Verified landlord product page
1	State Farm	A+ (Superior)	16.35% (company 16.02% in OIC Appendix E)	Rental Dwelling
2	Liberty Mutual	A (Excellent)	14.31% (SAFECO 12.35% in OIC Appendix E)	Landlord insurance
3	Allstate	A+ (Superior)	11.43% (Allstate V&P 6.37% in OIC Appendix E)	Landlord insurance
4	Travelers	A++ (Superior)	4.82% (Travelers Personal 3.24% in OIC Appendix E)	Landlord insurance

Sources: Washington OIC 2025 Appendix E, Homeowners Multiple Peril; NAIC 2025 Market Share Reports for Property/Casualty Groups, homeowners multiple peril by state by group; Travelers AM Best rating action, Aug 21, 2026; Allstate AM Best affirmation Sept 2, 2026; Liberty Mutual product page rating disclosure; State Farm carrier profile rating A+ (Superior). Product pages accessed October 14, 2026. Liberty Mutual ranks above Allstate on Washington group share; Travelers holds the higher AM Best grade.

1. State Farm: largest Washington homeowners writer with a rental dwelling form

State Farm is first because it combines the largest Washington homeowners book with a clearly documented rental product. In Washington OIC’s company table, State Farm Fire and Casualty wrote about $629.5 million of Washington homeowners multiple-peril premium, a 16.02% share. In the NAIC’s 2025 group report, State Farm Group wrote $629.5 million (16.35%) with a 52.01% loss ratio. Washington OIC’s 2025 annual report puts State Farm at 16.4% of the homeowners market and notes a last approved average rate change of +17.9% effective July 2024.

State Farm’s Rental Dwelling page describes coverage for accidental, direct physical loss to the rental dwelling and the landlord’s personal property there, plus:

• Dwelling for covered repairs or reconstruction of the dwelling and other structures on the same property.
• Personal property for covered losses to furniture and other property rented with or used to maintain the property.
• Loss of rents for fair rental value if a covered loss makes the dwelling uninhabitable.
• Liability for covered liability lawsuits against the owner.

State Farm also notes common exclusions such as flood, earthquake, continuous seepage and earth movement. Tenants need their own renters insurance for belongings. See our State Farm carrier profile, then compare quotes for your Washington rental.

2. Liberty Mutual: SAFECO-led Washington scale and a customizable landlord form

Liberty Mutual ranks second as Washington’s second-largest homeowners group, with SAFECO carrying most of that book at the company level. Liberty Mutual Group held 14.31% of 2025 Washington homeowners multiple-peril premium ($551.1 million) with a 35.70% loss ratio. SAFECO Insurance Company of America wrote $459.7 million (12.35%) in OIC’s Appendix E company table. OIC’s annual report lists SAFECO at 11.9% of the homeowners market and notes a last approved average rate change of -3.3% effective February 2026. Its landlord insurance page states an AM Best financial strength rating of A (Excellent) and lists standard coverages for dwelling, premises liability, wind/hail and fair rental value, with inflation protection as an add-on.

Liberty Mutual says landlord insurance helps cover the structure and property used for maintenance, and that bundling landlord with home insurance may reduce cost where discounts apply. Availability and discounts vary by state. Our Liberty Mutual profile summarizes the broader book.

3. Allstate: top-tier Washington book and a detailed landlord package

Allstate ranks third for Washington scale and a detailed public landlord package. Allstate Insurance Group held 11.43% of Washington homeowners premium in 2025 ($440.0 million written) with a 47.24% loss ratio. Allstate Vehicle and Property wrote $259.5 million (6.37%) in OIC’s company table. OIC’s annual report lists Allstate Vehicle and Property at 6.7% and notes a last approved average rate change of +20.9% effective June 2025. AM Best affirmed Allstate’s A+ (Superior) financial strength rating on September 2, 2026, with a stable outlook.

Allstate’s landlord insurance page says landlords and hosts coverage helps protect against sudden, accidental losses, including fire, wind, hail and other covered perils, plus liability, medical protection and fair rental income if a covered loss makes the unit uninhabitable. Standard coverages listed include:

• Dwelling protection for the rental property and attached structures such as a garage, porch or deck.
• Other structures for stand-alone garages, sheds and similar buildings.
• Liability if you are considered at fault after an accident, damage or loss related to the property.
• Medical protection for reasonable medical expenses if a covered person is injured on the property, regardless of fault.
• Fair rental income for rent you would otherwise lose while the unit is uninhabitable due to a covered loss.

Allstate notes that floods, earthquakes and water backup are typically excluded, and that tenant belongings are not covered. See our Allstate profile.

4. Travelers: top AM Best grade and a 1-to-4 unit landlord policy

Travelers ranks fourth on financial strength and a clear landlord form. AM Best affirmed the group’s A++ (Superior) financial strength rating on August 21, 2026, with a stable outlook, the highest grade on AM Best’s scale. In Washington, Travelers Group wrote 4.82% of 2025 homeowners premium ($185.6 million) with a 44.84% loss ratio. Travelers Personal Insurance Company wrote $135.7 million (3.24%) in OIC’s company table.

Travelers’ landlord insurance page says the policy is generally designed for rental properties with one to four units, including apartments, condominiums and single- or multi-family homes you own or rent to others. Coverages described include:

• Premises liability for bodily injury or property damage arising from use of the rental property, with limits of $100,000 or higher available.
• Medical payments with a $1,000 limit included if liability is purchased (higher limits available), not applying to you or regular residents.
• Property for the rental dwelling, other structures and the landlord’s personal property in the unit.
• Loss of use for fair rental value while the property is repaired after a covered loss.

Travelers does not publish average landlord premiums. Our Travelers review covers AM Best, market share and complaint indexes in more detail. Travelers converted a historical North Carolina landlord lead on this site, which is why we keep its landlord form in the ranking queue for lead states.

How Washington property claims satisfaction compares (J.D. Power 2026)

Landlord claims ride on the same property claims machinery as homeowners claims. J.D. Power’s 2026 U.S. Property Claims Satisfaction Study, based on 5,093 homeowners who filed a claim in the prior nine months, put overall industry satisfaction at 702 on a 1,000-point scale.

Rank in study	Company	Score
Highest	Amica	773
Second	The Hartford	756
Third	Chubb	744
Industry	Overall	702

We did not move Amica, The Hartford or Chubb into the Washington landlord product ranking above because we could not verify a current public landlord product landing page for them on October 14, 2026, or because their Washington homeowners share is modest relative to the four carriers above. Profiles: Amica, The Hartford, Chubb.

What Washington landlords should ask about wildfire and the FAIR Plan

Washington rentals face wildfire and residual-market questions that owner homeowners already see in OIC consumer guidance. Washington OIC’s wildfires and insurance page says standard homeowners and property policies in Washington include protection against fire damage, and that most companies also cover heat, smoke, soot and fumes from fire. If you cannot find coverage, OIC directs consumers to the Washington FAIR Plan at 425-745-9808. OIC’s wildfire risk and your insurance hub also covers wildfire risk score transparency and IBHS Wildfire Prepared Home standards.

Ask every landlord quote how wildfire underwriting treats the address, whether a non-renewal risk exists, and whether FAIR Plan placement is part of the offer. Earthquake and flood almost always need separate policies in Washington.

What a landlord policy should cover

Across the verified pages above, the core package is consistent even when labels differ:

• Dwelling / building for the rental structure.
• Other structures for detached sheds and garages.
• Landlord personal property for appliances and furnishings you own at the rental (not the tenant’s belongings).
• Liability and medical payments for injuries and lawsuits tied to the premises.
• Fair rental value / loss of rents / fair rental income while a covered loss keeps the unit offline.

Flood and earthquake almost always need separate policies. For cost drivers and why no official Washington landlord average exists, see our Washington landlord insurance cost guide, the national landlord insurance cost guide and best landlord insurance companies. City pages for Spokane, Seattle, Tacoma and Vancouver link related landlord guides automatically when tagged. Sibling state rankings cover Arkansas, Colorado and Texas. To add liability above your landlord limits, compare the best umbrella insurance companies.

Frequently Asked Questions

Which landlord insurance company is best in Washington?

For small landlords who want a verified rental product from a large Washington property writer, State Farm ranks first on this page because of its 16.02% company share, 16.35% 2025 group share and documented Rental Dwelling coverages. Travelers is the strongest on AM Best’s scale at A++. Your best carrier is the one that will insure your property at the limits you need, so request quotes for the same dwelling limit and liability limit.

Does homeowners insurance cover a Washington rental property?

Usually not for a full-time rental. State Farm, Liberty Mutual, Allstate and Travelers each describe landlord or rental-dwelling forms separate from an owner-occupied homeowners policy. Ask for a landlord quote rather than assuming your old HO-3 carries over once tenants move in.

Is there an average landlord insurance cost in Washington?

No official statewide landlord average is published by Washington OIC or the NAIC. The NAIC’s Washington dwelling fire form average of $886 is collected for one-family owner-occupied buildings and is not a landlord average. See Washington landlord insurance cost for those benchmarks labeled correctly.

How do wildfire and the FAIR Plan affect Washington landlord quotes?

Washington OIC says standard property policies include fire coverage and points consumers who cannot find coverage to the FAIR Plan. Confirm wildfire underwriting, non-renewal risk and residual-market placement on every quote before you compare premiums.

How do I compare Washington landlord quotes fairly?

Hold dwelling limit, liability limit, deductible, wildfire treatment and loss-of-rent months constant across carriers. Shop State Farm, Liberty Mutual, Allstate and Travelers side by side through our quote form, and check city pages for Spokane and Seattle for local context.

How we verified this page

Washington company market share comes from Washington OIC’s 2025 Appendix E (Homeowners Multiple Peril), and group shares come from the NAIC 2025 P&C market share report, both fetched October 14, 2026. Rate-change notes come from Washington OIC’s 2025 annual report. AM Best grades come from dated rating actions or carrier/product disclosures cited above. Landlord coverage lists summarize the carriers’ public product pages on the same date. We did not use competitor comparison sites or unpublished premium averages. See our methodology.

Important disclosures

Averages are not quotes. Official averages blend many policies, coverage amounts and locations. Your premium depends on your property and the insurer’s underwriting.

Coverage descriptions summarize public pages and are not policy contracts. Availability varies by ZIP code and underwriting.

About Insurance 8020. Insurance 8020 is an independent insurance comparison and education resource. We are not a licensed insurance producer, broker or agent, and nothing on this page is a recommendation to buy any specific policy. We may earn a referral fee when you request a quote through our partners, at no cost to you.