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2024

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Best Homeowners Insurance Agencies in Bellingham, WA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Bellingham 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.

53Reviewed

34Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2417 Meridian Street, Bellingham, WA 98225

Expertise.com Rating

Review Sources

Google
4.2 (5)
Facebook
5.0 (3)

Why choose this provider?

Oltman Insurance & Financial Services has offered a full line of insurance products and services to homeowners and businesses in Bellingham since 1932. It works with multiple insurance carriers to find the right home insurance policy that protects the valuable assets of homeowners or renters. The independent insurance agency has additional home insurance coverage for earthquakes, floods, and liability claims. Oltman Insurance also provides insurance protection for automobiles, watercraft, retail businesses, farms, and health.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

2615 Meridian Street, Bellingham, WA 98225

Expertise.com Rating

Review Sources

Google
4.9 (120)
Yelp
4.0 (2)

Why choose this provider?

Magas Insurance is an independent insurance agency based in Bellingham. Its homeowners' insurance policy can be customized to meet the needs of its clients. The clients have the option of getting homeowners' insurance that covers specific losses or a comprehensive policy covering fire, smoke, hail, theft, and vandalism. The homeowners' insurance policy typically provides financial protection for damages on the dwelling and personal property. It can also cover the cost of other structures, such as sheds and unattached garages.

  • Multiple Policy Types

1400 Broadway, Bellingham, WA 98225

Expertise.com Rating

Review Sources

Google
4.8 (182)

Why choose this provider?

Rice Insurance is an independent brokerage in Bellingham that was founded in 1946. The company provides a wide range of insurance services, including homeowners insurance. During new home purchases, it works with the clients' lenders to simplify the process. The home insurance includes coverage for the clients' possessions, the houses' contents, and personal liability. Rice Insurance is one of the Fastest-Growing Private Companies in America according to Inc. 5000 and is licensed to serve all 50 states.

  • Multiple Policy Types

8108 Guide Meridian, Lynden, WA 98264

Expertise.com Rating

Why choose this provider?

Guide Insurance Services Inc. is a locally owned independent agency that has been serving Bellingham since 1952. It helps protect homes from fires, theft, and on-property incidents for which clients are held liable. The agency also specializes in auto, farm, commercial, life, and health insurance. Its team has over 130 years of cumulative industry experience. Guide's mission is to educate and empower clients to make the best coverage decision for their unique situations. This will allow for their peace of mind today and the protection of their future.

  • Personal Property Insurance

141 West Kellogg Road, Bellingham, WA 98226

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
4.0 (2)

Why choose this provider?

Cascadia Insurance, LLC, is a Bellingham-based insurance agency handling the insurance requirements of its clients in the area. Its standard homeowners' insurance policy covers the repair or rebuilding of the structure of its clients' homes when they are damaged by unexpected disasters. The policy also covers the clients' personal belongings and protects them from liability in cases of injuries or property damage caused to another person in the property. The clients also enjoy additional living expenses if they need to vacate their homes temporarily.

  • Multiple Policy Types

5615 3rd Avenue, Ferndale, WA 98248

Expertise.com Rating

Review Sources

Google
5.0 (107)
Facebook
5.0 (4)

Why choose this provider?

Billy Slesk - State Farm Insurance Agent is a small agency that's been serving the home and business owners of Bellingham's metro area since 1986. Mr. Slesk and his team have extensive experience in analyzing the existing home insurance policies of their clients, identifying coverage shortfalls, and building new policies to ensure the clients are covered if the worst happens. They also specialize in other forms of insurance, including auto, life, health, and pet.

  • Multiple Policy Types

1844 Iron Street, Bellingham, WA 98225

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (4)

Why choose this provider?

Bob Wallin Insurance is a Bellingham-based independent insurance agency. The company offers a wide range of insurance policy options including homeowners' insurance. Bob Wallin Insurance's agents are committed to building relationships with each client in order to give them the proper guidance. They help provide protection for a client's dwelling and its contents from losses due to storms, a fire, or theft. They also provide the option of adding coverage for personal liability claims that occur on the property.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Oltman Insurance & Financial Services
2417 Meridian Street, Bellingham, WA 98225
Magas Insurance
2615 Meridian Street, Bellingham, WA 98225
riceinsurance.com
1400 Broadway, Bellingham, WA 98225
Guide Insurance Services, Inc.
8108 Guide Meridian, Lynden, WA 98264
cascadiainsurance.com
141 West Kellogg Road, Bellingham, WA 98226
Billy Slesk - State Farm Insurance Agent
5615 3rd Avenue, Ferndale, WA 98248
Bob Wallin Insurance
1844 Iron Street, Bellingham, WA 98225

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.
  • How does a homeowners' insurance policy in Bellingham protect your personal belongings?

    In Bellingham, a homeowners' insurance policy can protect your clothes and furniture by replacing them if they are stolen or fixing them if they are damaged by an insured disaster like a fire or hurricane. Your policy will also cover things that are not on your property, like items from your garage, as well as the shrubs, plants, and trees on your property.

  • What other factors should you consider when purchasing Bellingham homeowners' insurance, aside from your claim history and home value?

    Before purchasing a homeowner's insurance policy, Bellingham residents should also consider whether their home is new or old, whether they own a dog and what breed it is, and whether their plumbing and electrical system are reliable. Taking into account these factors will enable them to better comprehend their current policy rates.

  • After purchasing a homeowners insurance policy in Bellingham, is your home immediately protected against flood damage?

    In Bellingham, flood coverage is usually not included in your homeowners' insurance policy. To have this coverage in your policy, you have to purchase it separately to ensure that your property is protected from flood damage. Take note that it typically has a 30-day waiting period for this coverage to take effect.

  • Will you be protected from earthquake damage through your homeowners' insurance in Bellingham?

    No, homeowners insurance in Bellingham does not cover earthquake damage or other earth movements such as mudslides and landslides. Washington state is prone to earthquakes due to its location on the Pacific Ring of Fire, so it's a good idea to add earthquake coverage to your homeowners' policy to protect your property from costly repair and replacement costs.

  • What should you do if you think that you do not have enough coverage in your Bellingham homeowners' insurance policy?

    If you believe that the protection provided by your Bellingham homeowners insurance policy is insufficient, you can always add personal umbrella insurance. This will protect you from liability claims that exceed the coverage limits of your current policy. For example, umbrella coverage would protect your current assets and future earnings if you were found liable for an accident on your property and your homeowner's liability coverage was insufficient to cover the victim's medical expenses.

  • 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.

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