Who writes homeowners in Washington
The 40 largest writers by premium in 2025 from the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington market report (a top-40 list, shares of earned premium).
The 40 largest writers of homeowners in Washington in 2025: State Farm Fire and Casualty Company led with 17.3% of the state's premium; the top five hold 48%.
By Sam Alishahi, independent insurance broker · All lines in Washington
The companies
| # | Company | NAIC | Home state | Status here | Premium | Share |
|---|---|---|---|---|---|---|
| 1 | State Farm Fire and Casualty Company | 25143 | IL | Admitted (licensed) | $629.5M | 17.29% |
| 2 | Safeco Insurance Company of America | 24740 | NH | Admitted (licensed) | $459.7M | 12.63% |
| 3 | Allstate Vehicle and Property Insurance Company | 37907 | IL | Admitted (licensed) | $259.5M | 7.13% |
| 4 | Homesite Insurance Company | 17221 | MA | Admitted (licensed) | $221.9M | 6.09% |
| 5 | PEMCO Mutual Insurance Company | 24341 | WA | Admitted (licensed) | $180.8M | 4.96% |
| 6 | United Services Automobile Association, USAA Reciprocal, Attorney-in-fact | 25941 | TX | Admitted (licensed) | $141.0M | 3.87% |
| 7 | Travelers Personal Insurance Company | 38130 | CT | Admitted (licensed) | $135.7M | 3.73% |
| 8 | USAA Casualty Insurance Company | 25968 | TX | Admitted (licensed) | $126.3M | 3.47% |
| 9 | Foremost Insurance Company Grand Rapids, Michigan | 11185 | MI | Admitted (licensed) | $122.5M | 3.36% |
| 10 | Truck Insurance Exchange | 21709 | CA | Admitted (licensed) | $122.3M | 3.36% |
| 11 | American Strategic Insurance Corporation | 10872 | IN | Admitted (licensed) | $79.8M | 2.19% |
| 12 | Allstate Property and Casualty Insurance Company | 17230 | IL | Admitted (licensed) | $71.8M | 1.97% |
| 13 | Country Preferred Insurance Company | 21008 | IL | Admitted (licensed) | $71.4M | 1.96% |
| 14 | Mutual of Enumclaw Insurance Company | 14761 | OR | Admitted (licensed) | $67.3M | 1.85% |
| 15 | USAA General Indemnity Company | 18600 | TX | Admitted (licensed) | $63.2M | 1.74% |
| 16 | Fire Insurance Exchange Fire Underwriters Association | 21660 | CA | Admitted (licensed) | $62.9M | 1.73% |
| 17 | Farmers Insurance Company of Washington | 21644 | WA | Admitted (licensed) | $60.7M | 1.67% |
| 18 | American Family Insurance Company | 10386 | WI | Admitted (licensed) | $60.2M | 1.65% |
| 19 | Garrison Property and Casualty Insurance Company | 21253 | TX | Admitted (licensed) | $54.5M | 1.50% |
| 20 | Travelers Home and Marine Insurance Company (The) | 27998 | CT | Admitted (licensed) | $47.1M | 1.29% |
| 21 | Allstate Indemnity Company | 19240 | IL | Admitted (licensed) | $46.7M | 1.28% |
| 22 | Farmers Property and Casualty Insurance Company | 26298 | RI | Admitted (licensed) | $42.8M | 1.18% |
| 23 | Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact | 12873 | FL | Admitted (licensed) | $41.8M | 1.15% |
| 24 | American Modern Property and Casualty Insurance Company | 42722 | OH | Admitted (licensed) | $40.0M | 1.10% |
| 25 | Great Northern Insurance Company | 20303 | IN | Admitted (licensed) | $38.4M | 1.05% |
| 26 | Nationwide General Insurance Company | 23760 | OH | Admitted (licensed) | $33.8M | 0.93% |
| 27 | Amica Mutual Insurance Company, The | 19976 | RI | Admitted (licensed) | $33.4M | 0.92% |
| 28 | Allstate Insurance Company | 19232 | IL | Admitted (licensed) | $33.2M | 0.91% |
| 29 | L M Insurance Corporation | 33600 | IL | Admitted (licensed) | $33.1M | 0.91% |
| 30 | American Family Mutual Insurance Company, S.I. | 19275 | WI | Admitted (licensed) | $32.4M | 0.89% |
| 31 | Cincinnati Insurance Company (The) | 10677 | OH | Admitted (licensed) | $31.3M | 0.86% |
| 32 | Liberty Mutual Insurance Company | 42404 | IL | Admitted (licensed) | $29.5M | 0.81% |
| 33 | Grange Insurance Association | 22101 | WA | Admitted (licensed) | $29.1M | 0.80% |
| 34 | Homesite Insurance Company of the Midwest | 13927 | WI | Admitted (licensed) | $28.1M | 0.77% |
| 35 | Trumbull Insurance Company | 27120 | CT | Admitted (licensed) | $24.2M | 0.66% |
| 36 | American Bankers Insurance Company of Florida | 10111 | FL | Admitted (licensed) | $22.5M | 0.62% |
| 37 | Liberty Mutual Fire Insurance Company | 23035 | WI | Admitted (licensed) | $21.2M | 0.58% |
| 38 | Enumclaw Property & Casualty Insurance Company | 11232 | OR | Admitted (licensed) | $20.5M | 0.56% |
| 39 | Property and Casualty Insurance Company of Hartford | 34690 | IN | Admitted (licensed) | $17.5M | 0.48% |
| 40 | COUNTRY Mutual Insurance Company | 20990 | IL | Admitted (licensed) | $3.5M | 0.10% |
Method and source
Source: the Washington Office of the Insurance Commissioner and the Surplus Line Association of Washington company list, read 2026-10-17 and the surplus lines list. Washington's authorized list comes from the OIC's 2025 market report (Appendix D), which leaves out authorized companies with no premium that year. Premiums are in thousands. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.
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