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Washington DC Home Insurance

When you buy a home in the District of Columbia, the majority of home lenders require that you carry Washington DC home insurance for the life of your loan. There are a few popular homeowners insurance policies that offer property damage coverage. The basic policy, known as the HO-2 policy, covers damages caused by fire, smoke, vehicles, aircraft, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and riots. The broad HO-3 policy provides bodily injury liability coverage, paying up to a certain amount for medical expenses when and if an accident occurs on your property.

Washington DC Home Insurance Coverage

The District of Columbia can experience heavy rains, thunderstorms, heavy winds, hurricanes, winter storms, hailstorms, and much more that cause damages to a home. The majority of these perils would be covered by a basic homeowners policy, but some are not. Homeowners insurance does not cover flood water damage. A separate flood insurance policy pays for these damages. To review what will not be covered by your District of Columbia home insurance, review the “exclusions” section of your policy.

Washington DC Home Insurance Rates

District of Columbia homeowners insurance rates on average were some of the highest in the country in 2003. Homeowners insurance in the state cost an average $806 annually, which was a 23.1% increase from 2001. Rates can increase due to an influx of claims for the year, causing insurance companies to compensate by raising their premiums.


Washing DC homeowners who are seeking to reduce their premiums, can do so very simply. If you do not make frequent claims, then increasing your deductible can lower your premium significantly. Other homeowners have learned that insurance companies give discounts when you purchase more than one policy through them. By buying home, health, auto, etc. from the same company you receive this discount. Of course, the prudent and wise homeowners shop around before buying Washington DC home insurance.

District of Columbia Department of Insurance, Securities and Banking

Department of Insurance, Securities and Banking
810 First Street, NE, Suite 701
Washington, DC 20002
Phone: (202) 727-8000

For other Washington DC Insurance Resources, See:

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