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Best Homeowners Insurance Agencies in Everett, WA

Our Recommended Top 3

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 Everett 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.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

2532 Broadway, Everett, WA 98201 Rating

Review Sources

5.0 (31)
2.8 (9)

Why choose this provider?

Empire Insurance Brokers is an Everett-based insurance agency that was established in 2006. The company offers a wide range of insurance options for homeowners to choose from and is supported by a team that is trained to determine what plans best suit the needs of clients. Its basic homeowners' insurance policy includes personal belongings, dwelling, liability, and additional living expenses. It also covers damages due to natural disasters, fires, theft, and even vandalism.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

9505 19th Avenue Southeast, Everett, WA 98208 Rating

Review Sources

4.5 (8)

Why choose this provider?

Sheli Fisher is a Farmers Insurance agent serving clients in and around the Everett area. She focuses on helping clients like homeowners identify what type of coverage they need, then offers the suitable Farmers Insurance policy to fit. Homeowners' insurance can cover all risks or only specific losses indicated in the policy. Besides homeowners' insurance, Fisher helps clients find the right rental, auto, motorcycle, business, recreational, and life insurance policies. Umbrella insurance policies are also available.

  • Multiple Policy Types

2231 Broadway, Everett, WA 98201 Rating

Review Sources

4.7 (36)

Why choose this provider?

Calrose Insurance provides insurance options to residents and business property owners in Everett and the surrounding communities. The company provides homeowners' insurance policies for a range of private residences, such as frame houses, CBS homes, manufactured homes, mobile homes on acreage, condominiums, and townhouses. Secondary homes, rental homes, and seasonal resident homes can also be insured. The damages the homeowners' insurance covers include storm damage, fire, windstorm, lightning, hail, and sinkholes. The company has been in the industry since 1997.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Empire Insurance Brokers
2532 Broadway, Everett, WA 98201
Sheli Fisher - Farmers Insurance Agent
9505 19th Avenue Southeast, Everett, WA 98208
Calrose Insurance
2231 Broadway, Everett, WA 98201


  • 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.
  • Are you required by law to have homeowners' insurance in Everett?

    No, you aren't required by law to have homeowners' insurance in Everett. However, it is highly recommended that you have one even if you don't owe money on a home loan. Homeowners' insurance can cover damages to your house, property, personal belongings, furniture, appliances, clothing, valuable items, and other assets.

  • How much does a homeowners' insurance cost in Everett?

    The cost of homeowners' insurance in Everett ranges from about $800 to $1,200 per year. The average cost of homeowner's insurance in the state of Washington is about $960 per year. The amount will depend on several factors, such as the size of the property, its location, and the coverages purchased.

  • What can a homeowners' insurance policy in Everett cover?

    A homeowners' insurance policy in Everett can include different coverage options, including the physical structure, additional structures, personal possessions, living expenses, liability protection, and supplemental coverage, such as fire, earthquake, and flood coverage. Some policies can also offer other additional coverages, including damages to trees or plants, debris removal, and credit card coverage.

  • Can you choose your own contractor to repair your home in Everett after you file a claim?

    Yes, after you file a homeowners' insurance claim in Everett, you have the right to choose your own contractor to repair your home. Your insurance company may help recommend to you a list of contractors who can perform the repairs according to the estimate. However, the company is not required to do so.

  • What is the difference between replacement cost and actual cash value coverage in Everett?

    The main difference between a replacement cost and an actual cash value coverage in Everett is that the replacement cost is the amount of money paid to replace or repair your home, while the actual cash value refers to the amount paid to replace or restore your property minus depreciation.

  • 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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