Short answer: Washington homeowners in wildfire areas should start with the Office of the Insurance Commissioner's mitigation steps and then shop widely, including surplus lines. If no private insurer will cover you, the Washington FAIR Plan writes basic dwelling fire coverage on an actual cash value basis only, up to $1.5 million per location. Earthquake isn't covered without an endorsement. Insurers must give at least 60 days' written notice before non-renewing, including the actual reason.
This guide is general information for Washington homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Reduce wildfire risk
The Office of the Insurance Commissioner's wildfire page recommends creating defensible space: clear dead leaves, pine needles and flammable materials around the home and from decks, roofs and gutters, and keep branches trimmed. Keep records and photos to show insurers.
Step 2: The Washington FAIR Plan
The Washington FAIR Plan says its coverage is on an actual cash value basis; replacement cost isn't available, and the maximum at any one location is $1,500,000. Fire and lightning are included on every policy; extended coverage (windstorm, hail, explosion, riot, vehicles, smoke and volcanic action) and vandalism are optional. The OIC lists the FAIR Plan as the place to call if you can't find coverage. You'll need separate liability coverage. See FAIR Plan vs. surplus lines home insurance.
Step 3: Earthquake and flood
Standard homeowners policies exclude earthquake. Ask about an endorsement. Flood needs its own policy; see FloodSmart.
Step 4: The 60-day notice with a reason
Under RCW 48.18.2901, insurers must give written notice at least 60 days before expiration, including the actual reason. More: Washington homeowners claims and non-renewal.
Step 5: Claims
The OIC explains claim timelines on its filing a homeowners claim page; a 2026 rule proposal would change some deadlines, so check the current rule when you file.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Washington.
Frequently asked questions
Does the Washington FAIR Plan pay replacement cost?
No. The Washington FAIR Plan writes coverage on an actual cash value basis only.
What's the most the Washington FAIR Plan will cover?
Up to $1,500,000 at any one location.
How much notice before a Washington homeowners non-renewal?
At least 60 days, including the actual reason, under RCW 48.18.2901.
Does Washington homeowners insurance cover earthquake?
Not without an endorsement or separate policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.