Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Bellevue, WA

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bellevue Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

87Reviewed

59Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16301 NE 8th St., Ste 241, Bellevue, WA 98008
WebsiteLicense: 1088077

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (10)

Why choose this provider?

Phoenix Insurance Inc. is a Bellevue-based independent insurance agency serving businesses, individuals, and families in the metro. Its agents help clients shop for different insurance solutions, such as homeowners', renter's, commercial automobile, and inland marine insurance. They use industry software such as digital fillable forms and online insurance quoting to improve the accessibility and speed of the insurance application process. Founder Grace Zheng holds a master's degree in Business Administration and has over a decade of experience in the global trade industry.

  • Multiple Policy Types

375 118th Avenue Southeast, Bellevue, WA 98005

Expertise.com Rating

Review Sources

Google
4.7 (21)
Yelp
3.5 (3)

Why choose this provider?

Whims Insurance & Financial Services, Inc., offers coverage to clients in Bellevue. It helps homeowners find the best plan to protect their properties from natural disasters like floods, sinkholes, and windstorms. The agency also looks into specific coverage like dog bite and swimming pool insurance. It modifies a plan to fit the clients' needs, whether they have condos, townhouses, mobile homes, or rental properties. Its agents inform homeowners of important details like cash value of belongings and combining different insurances together.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

13500 Lake City Way Northeast, Seattle, WA 98125

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
4.0 (4)
Facebook
5.0 (2)

Why choose this provider?

For more than 30 years, the Cairns Insurance Agency has been helping businesses and individuals in the Bellevue metro area understand their coverage needs and get policies that protect them from risks. Its agents have particular experience in helping homeowners get coverage against major problems, such as structural damage, and unexpected claims of liability from visitors and neighbors. It's an independent agency that's partnered with some of the country's biggest insurers, including Symetra and Progressive.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

17544 Midvale Avenue North, Shoreline, WA 98133

Expertise.com Rating

Review Sources

Facebook
5.0 (29)

Why choose this provider?

Empire Insurance Brokers is a locally owned and operated insurance agency. It has been providing communities in Bellevue and surrounding areas with reliable and affordable home insurance coverage since 2006. Its agents help clients plan for risks such as bad weather, natural disasters, fire, and theft. The agency's policies include dwelling and personal belongings coverage, liability insurance, and additional living expenses. It also offers auto, cyber, life, farm, and business insurance.

  • Multiple Policy Types

3161 Elliott Avenue, Seattle, WA 98121

Expertise.com Rating

Review Sources

Google
4.8 (20)
Yelp
4.5 (18)
Facebook
5.0 (2)

Why choose this provider?

Belltown Insurance Group Inc. is an independent agency that offers all types of personal insurance for clients in Bellevue and the entire west coast. It has home insurance policies from top insurance carriers to protect homeowners against any losses due to fire, theft, or other potential disasters. Apartment or home renters can take advantage of the agency's rental insurance to protect their valuables from theft, fire, and water damage. Belltown Insurance also has earthquake, pet, auto, and life insurance.

  • Earthquake
  • Multiple Policy Types
  • Flood

19020 33rd Avenue West, Lynnwood, WA 98036

Expertise.com Rating

Review Sources

Google
4.6 (1872)

Why choose this provider?

PEMCO Insurance is a local agency that has offered people a wide range of insurance products and services near Bellevue since 1949. It has various home insurance policies that cover property damages, personal belongings, medical expenses from accidents, and liability injury claims. For renters, the agency offers renters insurance that protects their valuables from fire, theft, and other disasters. PEMCO Insurance also has insurance coverage for autos, earthquakes, floods, scooters, and boats.

  • Renter's Insurance
  • Condos

315 North 36th Street, Seattle, WA 98103

Expertise.com Rating

Review Sources

Google
4.9 (57)
Facebook
5.0 (24)
Yelp
5.0 (14)

Why choose this provider?

Jeff Kalvelage - State Farm Insurance Agent is a licensed agency near Bellevue that can assist homeowners looking for a policy that will cover them against the costs of repairing their homes and replacing contents if the worst should happen. Mr. Kalvelage can also advise clients on the levels of coverage they may need should they face liability claims or the loss of a high-value personal item. The agent's clients include local business owners.

  • Multiple Policy Types

40 Lake Bellevue Drive, Bellevue, WA 98005

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Taylor Insurance and Investments is a Bellevue-based independent insurance agency. In the past two decades, Scott Taylor has helped more than 6,000 clients needing different types of insurance policies, including homeowners' insurance. He offers packages that cover the homes and belongings of policyholders in case of disasters, theft, and vandalism. Taylor was the former chapter president of the Independent Insurance Agents Association and has been a Certified Insurance Counselor for 17 years.

  • Multiple Policy Types

375 118th Avenue Southeast, Bellevue, WA 98005

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Niehl Insurance Agency, Inc., is an insurance company based in Bellevue. The company covers homeowners from damage to the structure and the land it is on. Its agents provide personalized plans to fit different clients and their needs, including home offices and updated residences. The company also gives a risk assessment report for each property to guide customers in choosing policies. It was founded in 1980 and works with tenured companies like America Modern Insurance and Safeco Insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

11811 Northeast 1st Street, Bellevue, WA 98005

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (2)

Why choose this provider?

Mumma Associates, Inc., is an independent insurance agency serving clients in Bellevue since 1980. It offers a homeowners' insurance policy that covers damaged or destroyed property, personal liability, medical expenses for guests injured in the property, additional living expenses, and personal belongings. It also protects the clients financially from losses caused by fire, theft, vandalism, or other covered events. The policy also covers apartment and condominium properties. Mumma Associates represents a number of insurance companies, including Encompass Insurance, Liberty Northwest, and Mutual of Enumclaw.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

1606 148th Ave SE #102, Bellevue, WA 98007

Expertise.com Rating

Review Sources

Facebook
4.3 (11)
Google
5.0 (10)

Why choose this provider?

Bordelon Insurance offers insurance coverage to residential and commercial property owners in Bellevue, Issaquah, and the surrounding communities. The company helps homeowners decide on the right insurance policy depending on the type of residence that the client owns and the losses that are covered. The client can opt for a comprehensive policy that covers a range of losses due to fire, hail, smoke, falling objects, and vandalism or theft of personal property. Policies for specified losses are also available.

  • Multiple Policy Types

14040 Northeast 8th Street, Bellevue, WA 98007

Expertise.com Rating

Review Sources

Google
5.0 (24)
Yelp
5.0 (4)

Why choose this provider?

Owned by Amy Hamm, Insurance Connections Northwest is a Bellevue-based independent insurance agency that provides a wide range of insurance policies like homeowners insurance. The agency's professional agents help clients find the right insurance policy for their homes. They can also customize a policy to provide them all the coverage they need for their property according to their budget. Insurance Connections Northwest also serves Kirkland, Mercer Island, Redmond, Seattle, and the whole of Washington.

  • Multiple Policy Types

265 Northeast 45th Street, Seattle, WA 98105

Expertise.com Rating

Review Sources

Google
4.9 (206)
Yelp
4.5 (126)
Facebook
5.0 (2)

Why choose this provider?

The insurance agents at Secord Insurance Agency have helped homeowners, renters, and landlords in and around Bellevue get the best home insurance rates and coverage since 2005. Its comprehensive home insurance policies cover property losses from fire, hail, falling objects, vandalism, and theft. The agency offers additional home insurance coverage for earthquakes, landslides, floods, and second or vacation homes. Other insurance plans provided by Secord Insurance include pet, life, disability, umbrella, and motor vehicle.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

4066 155th Avenue Southeast, Bellevue, WA 98006

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Yelp
4.5 (14)
Google
5.0 (1)

Why choose this provider?

Envision Insurance Services, Inc., has been delivering quality insurance products and services in Bellevue since 2004. The company guides private residence owners in purchasing the best homeowners insurance policy that fits their needs. Its agents provide several coverage options, including dwelling structures, personal belongings, medical expenses, personal liability, and landlord protection. Other offerings include vehicle, property, health and life, and business insurance policies. The company also serves clients in Sammamish and Kirkland. Its employees are bilingual in English and Chinese.

  • Multiple Policy Types

506 2nd Avenue, Seattle, WA 98104

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Orca Insurance was founded in 2016 to help homeowners and businesses in Bellevue and surrounding communities obtain the right insurance to fit their needs. It ensures that new home buyers and landlords are covered from any property losses by providing home insurance policies from carriers, such as Safeco, Palomar, and Foremost. The agency has insurance plans to protect business owners of apartments, shopping centers, and hotels against fires, theft, and vandalism. Orca Insurance also offers auto and life insurance.

  • Multiple Carriers
  • Condos

10900 Northeast 8th Street, Bellevue, WA 98004

Expertise.com Rating

Review Sources

Google
4.9 (126)
Facebook
5.0 (30)

Why choose this provider?

PCRG Insurance is a premier independent insurance agency in Bellevue that offers a wide variety of insurance products from leading companies. It provides assistance to clients who are looking for a homeowners' insurance policy with good coverage, including dwelling, loss of use, personal property, medical expense, and other structures. This company can craft a policy that fits the specific needs of homeowners. PCRG also specializes in restaurant, umbrella, and business insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

600 Main Street, Edmonds, WA 98020

Expertise.com Rating

Review Sources

Facebook
5.0 (130)
Yelp
3.5 (7)

Why choose this provider?

Insurance Services Group is a full-service agency near Bellevue that offers a wide range of insurance services to clients in 12 states across the country. Its agents help people who live in a home, apartment, or condominium find the right home insurance that covers their losses in the event of a fire, theft, vandalism, and flood. It has additional insurance coverage for living expenses and personal injury liability claims. Plus, Insurance Services has insurance options for autos and boats.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Phoenix Insurance Inc
16301 NE 8th St., Ste 241, Bellevue, WA 98008
Whims Insurance & Financial Services, Inc.
375 118th Avenue Southeast, Bellevue, WA 98005
Cairns Insurance Agency
13500 Lake City Way Northeast, Seattle, WA 98125
Empire Insurance Brokers
17544 Midvale Avenue North, Shoreline, WA 98133
Belltown Insurance Group Inc.
3161 Elliott Avenue, Seattle, WA 98121
PEMCO Insurance
19020 33rd Avenue West, Lynnwood, WA 98036
Jeff Kalvelage - State Farm Insurance Agent
315 North 36th Street, Seattle, WA 98103
Taylor Insurance and Investments
40 Lake Bellevue Drive, Bellevue, WA 98005
Niehl Insurance Agency, Inc.
375 118th Avenue Southeast, Bellevue, WA 98005
Mumma Associates, Inc.
11811 Northeast 1st Street, Bellevue, WA 98005
Bordelon Insurance
1606 148th Ave SE #102, Bellevue, WA 98007
Insurance Connections Northwest
14040 Northeast 8th Street, Bellevue, WA 98007
Secord Insurance Agency
265 Northeast 45th Street, Seattle, WA 98105
Envision Insurance Services, Inc.
4066 155th Avenue Southeast, Bellevue, WA 98006
Orca Insurance
506 2nd Avenue, Seattle, WA 98104
PCRG Insurance
10900 Northeast 8th Street, Bellevue, WA 98004
Insurance Services Group
600 Main Street, Edmonds, WA 98020

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What types of damage are covered in your homeowners' insurance policies in Bellevue?

    Homeowners insurance policies protect you from unexpected financial expenses involving damage to your assets and residential properties caused by fire, water, severe storms, and landslides. These insurance policies may also cover accidents that occur in your Bellevue home, as well as theft, allowing you to have additional financial protection.

  • Are you required to have a homeowners insurance policy in Bellevue?

    Under Washington Law, residential property owners in Bellevue are not required to have a homeowners’ insurance policy., but the state encourages owners to get one to provide financial protection in case of accidents or accidental damages in their homes. Furthermore, homeowners planning to get a home loan must obtain homeowners’ insurance policies.

  • Does your homeowners insurance policy in Bellevue cover dog bite claims?

    If your dog bites someone inside your Bellevue property and the victim has filed a case against you, your homeowners insurance policy may cover the expenses for their claims. Your insurance company will investigate the accident and decide how much they will provide for the claim. However, there are specific dog breeds that are not covered by a homeowners insurance policy.

  • Can you extend your homeowners insurance coverage to your rental properties in Bellevue?

    Bellevue property owners who are renting out their homes to tenants may extend their homeowners insurance policies by applying for liability insurance. This liability insurance product covers wrongful eviction, trespassing, personal injury, accidents, and damages in tenant-occupied dwellings, allowing landlords and their spouses to protect their investments, finances, and assets.

  • What are the limits of homeowners insurance coverage in Bellevue?

    If your Bellevue home was damaged by war, power failure, nuclear hazard, governmental action, neglect, or intentional acts, your insurance policy will not cover the losses and expenses. In addition, damages due to defective maintenance, faulty construction materials, bad workmanship, and faulty zoning are also not covered.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.