Washington Personal Insurance

The amount of home insurance you need in Washington depends on several factors, including your home's replacement cost (not market value), the value of your personal belongings, your liability risks, and your financial situation. We recommend having enough dwelling coverage to completely rebuild your home and sufficient personal property coverage to replace your belongings. Our Washington agents can help you conduct a thorough assessment to determine the right coverage amounts for your specific situation. Get a free Washington home insurance assessment

Washington state requires all drivers to have liability insurance with minimum coverage of $25,000 for injury or death to one person, $50,000 for injury or death to all people in an accident, and $10,000 for damage to property. However, these minimums may not provide adequate protection in the event of a serious accident. We typically recommend higher liability limits and additional coverages like collision, comprehensive, and uninsured/underinsured motorist protection for Washington drivers. Get Washington auto insurance that exceeds minimums

Yes, renters insurance is valuable for Washington residents even if you don't think you own many expensive items. When you add up the cost of replacing all your belongings—furniture, clothing, electronics, kitchen items, etc.—it typically amounts to much more than expected. Additionally, the liability protection and additional living expenses coverage provided by renters insurance are crucial benefits that protect you from potentially significant financial hardship, all for a relatively low monthly premium in Washington. Get affordable Washington renters insurance

There are several ways Washington residents can lower their insurance premiums while maintaining good coverage. Some options include: bundling multiple policies with the same insurer, increasing your deductibles, installing safety and security devices in your home or vehicle, maintaining a good credit score, and taking advantage of available discounts (such as good driver, claim-free, or loyalty discounts). Our Washington agents can review your current coverage and help identify potential savings opportunities specific to your situation. Find Washington insurance discounts

Standard homeowners insurance policies in Washington typically do not cover damage caused by flooding. For flood protection, you'll need a separate flood insurance policy. This is especially important in many parts of Washington where heavy rainfall, snowmelt, or nearby bodies of water can pose flood risks. We can help you determine if you're in a flood-prone area and obtain appropriate flood insurance coverage through the National Flood Insurance Program (NFIP) or private insurers. Get Washington flood insurance coverage

Washington residents should review and potentially update their insurance policies whenever they experience significant life changes such as: buying a new home or renovating your current one, purchasing a new vehicle, getting married or divorced, having children, making major purchases, starting a home-based business, or retiring. Additionally, it's good practice to review your policies annually to ensure your coverage still meets your needs and to check for any new discounts or better rates that might be available in Washington state. Schedule your Washington policy review