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2024

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Best Homeowners Insurance Agencies in Kennewick, WA

Our Recommended Top 11

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 Kennewick 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.

55Reviewed

37Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7511 West Arrowhead Avenue, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Active since 1979, Dick Brown & Associates is an insurance company that serves homeowners in Kennewick. It offers policies covering damages or destruction of the house by unexpected events like kitchen fires, hail, falling objects, and vandalism. Its agents talk with clients to find a fitting plan that may include medical injuries or forced relocation. It also covers personal belongings affected like furniture and electronics. The company works with national insurance carriers like Hagerty, Metlife, and Allied Insurance.

  • Multiple Policy Types
  • Multiple Carriers
  • Personal Property Insurance

7520 West Clearwater Avenue, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
4.5 (37)

Why choose this provider?

Vern Fonk of Kennewick is an independent agency that's provided homeowners insurance solutions in the Pacific Northwest for more than 60 years. Its licensed professionals evaluate the dwelling, personal contents, and animals to determine the most comprehensive coverage options. They represent multiple carriers to help ensure a personalized policy at competitive rates. Vern Fonk of Kennewick insures primary and secondary residences, rentals, condos, vacant properties, mobile homes, and farms and ranches as well as renters.

  • Condos
  • Multiple Policy Types
  • Flood

11 North Morain Street, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
4.8 (17)
Yelp
3.5 (3)

Why choose this provider?

Mulvihill Insurance Services is an insurance agency in Kennewick. Its founder, Greg Mulvihill, is dedicated to helping families and individuals prepare for financial losses brought about by property damages. Mulvihill and his team of professional agents represent multiple trusted insurance carriers that provide an array of policies and coverage. They can guide clients through the process of finding and selecting a policy that addresses each property's unique risks. This company can assist with the claims process when needed.

  • Multiple Policy Types

750 Swift Boulevard, Richland, WA 99352

Expertise.com Rating

Review Sources

Facebook
4.8 (46)
Google
5.0 (33)
Yelp
5.0 (4)

Why choose this provider?

Legacy One Insurance is an independent agency that's worked in the best interests of its clients for more than 10 years. The company's licensed agents research multiple carriers to create a personalized homeowners insurance package that meets its clients' needs. They evaluate individual circumstances, including the age, condition, and size of the dwelling, secondary structures on the property, pets and other animals, and personal contents in order to determine an accurate replacement value.

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

6816 West Rio Grande Avenue, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
4.7 (12)

Why choose this provider?

Basin Pacific Insurance and Benefits is an agency that services the Kennewick area and offers support in securing coverage for property damages and losses. The firm assists clients in identifying policies for home repair needs and financial protections for personal items. Basin Pacific Insurance and Benefits additionally offers coverage assistance for high-value properties, motorhomes, flood damages, and rented units. The agency has been offering insurance services since 1997 and also provides support for business and life insurance.

  • Multiple Carriers
  • Multiple Policy Types

Attorney Information

Attorney NameBar StatusExperience
Justin Toner - VP Sales / Commercial Account ExecutiveActive13 yrs

306 North Morain Street, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
4.7 (3)

Why choose this provider?

Established in 1983, Ric Whitley Insurance provides for the insurance needs of clients through its offices in Kennewick and Sunnyside. The insurance agency's representatives can help clients find homeowners' insurance that is suitable to their needs. The insurance covers the dwelling of the clients, their personal property, and other unattached properties, such as a shed. Moreover, the clients also receive liability protection in case someone gets injured while inside the house.

  • Multiple Policy Types

3400 W Clearwater Ave Ste 3, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
4.9 (229)
Facebook
5.0 (24)
Yelp
5.0 (1)

Why choose this provider?

Finders Insurance is an independent insurance agency that offers home insurance plans to Kennewick clients. The firm works with a range of insurance companies—including Kemper, Nationwide, and Safeco Insurance—to help clients obtain adequate financial protection. Its insurance professionals work closely with homeowners to plan for possible losses and damage, whether due to disasters or random acts, and inform clients of their coverage options. These coverage types include personal liability, loss of use, theft, jewelry, and wine collection.

  • Multiple Policy Types

4034 West Van Giesen Street, West Richland, WA 99353

Expertise.com Rating

Review Sources

Google
4.9 (91)
Facebook
5.0 (16)
Yelp
4.0 (4)

Why choose this provider?

Susan Dahl is a State Farm agent who's dedicated to providing quality customer care and homeowners insurance protection. Ms. Dahl's licensed agents conduct a comprehensive evaluation of individual requirements to determine the most appropriate coverage. Considerations include the age, size, and condition of the dwelling as well as any secondary features, such as a swimming pool, fencing, or barn. They also assess personal contents as well as pets and other animals.

  • Multiple Policy Types

100 N Morain St. 200, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Insurance Services Inc. delivers personal and business insurance services to clients in Kennewick and the surrounding communities. The agents tailor each homeowners' insurance policy to cover the risks of concern in the area depending on the client's priorities. The risks that may be included are fire and weather-related disasters such as floods, hurricanes, hail, and lightning. Other risks include theft and vandalism. The company also offers insurance for renters, condominium owners, and manufactured homeowners.

  • Personal Property Insurance
  • Multiple Policy Types

3825 West Court Street, Pasco, WA 99301

Expertise.com Rating

Review Sources

Google
4.9 (156)
Facebook
5.0 (14)
Yelp
5.0 (3)

Why choose this provider?

Harvey Insurance Agency provides clients throughout Kennewick and nearby communities with insurance services and policies. Its insurance agents provide homeowners' insurance services that cover property damage and any legal or liability responsibility. The company's professionals also offer business and commercial, auto and motorcycle, health, and life insurance options. This family-owned agency represents more than 50 national and regional insurance companies. Harvey Insurance Agency has a combined 75 years of experience among its agents.

  • Multiple Policy Types

3311 West Clearwater Avenue, Kennewick, WA 99336

Expertise.com Rating

Review Sources

Google
4.9 (83)
Facebook
5.0 (10)

Why choose this provider?

Rojas Insurance is a Kennewick-based insurance agency founded in 2011. The family-owned business offers a homeowners' insurance policy that covers damages due to unforeseen disasters. The clients can customize the homeowners' insurance to meet their needs. They can choose the type of coverage they want for their policies. The clients can opt for a policy covering specific losses or a comprehensive policy covering many types of losses, including fire, falling objects, theft, and vandalism.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Dick Brown & Associates
7511 West Arrowhead Avenue, Kennewick, WA 99336
Vern Fonk of Kennewick
7520 West Clearwater Avenue, Kennewick, WA 99336
Mulvihill Insurance Services
11 North Morain Street, Kennewick, WA 99336
Legacy One Insurance
750 Swift Boulevard, Richland, WA 99352
Basin Pacific Insurance and Benefits
6816 West Rio Grande Avenue, Kennewick, WA 99336
Ric Whitley Insurance
306 North Morain Street, Kennewick, WA 99336
Finders Insurance
3400 W Clearwater Ave Ste 3, Kennewick, WA 99336
Susan Dahl - State Farm Insurance Agent
4034 West Van Giesen Street, West Richland, WA 99353
Insurance Services Inc.
100 N Morain St. 200, Kennewick, WA 99336
Harvey Insurance Agency
3825 West Court Street, Pasco, WA 99301
Rojas Insurance
3311 West Clearwater Avenue, Kennewick, WA 99336

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 should you keep in mind when looking for homeowners insurance in Kennewick?

    When searching for homeowners insurance in Kennewick, it's vital to obtain quotes from various providers before committing to a policy. This ensures you secure the most competitive price. Keep in mind that solely relying on a friend's insurance suggestion may not be wise, as insurers calculate rates based on your individual details. Additionally, consider bundling your homeowners insurance with auto insurance to potentially receive discounts.

  • Are there specific perils that homeowners in Kennewick should ensure they have insurance coverage for?

    Make sure your Kennewick home is insured against the following perils:

    • Fire and lightning: Ensure you have sufficient coverage for fire damage, as even a small fire can lead to expensive repairs.
    • Earthquakes: Most homeowners insurance policies don't include earthquakes, but you can buy earthquake insurance as an additional endorsement.
    • Hail and windstorms: In Kennewick, the most frequent claims arise from hail and wind damage. Fortunately, most standard homeowners insurance policies cover these risks.
  • What strategies can help you reduce expenses on your homeowners' insurance in Kennewick?

    To reduce homeowners insurance rates in Kennewick:

    • Compare policies: Shop around and compare policies from various insurers before finalizing a purchase.
    • Seek discounts: Get discounts for installing safety devices and consider raising your deductible.
    • Re-evaluate every year: Keep your coverage updated and periodically assess policies to ensure you're getting the best value. Request discounts every six months.
    • Bundle for savings: If your homeowners insurer also offers auto coverage, bundle both for potential discounts.
  • Does your homeowners insurance policy in Kennewick provide coverage for your car, boat, ATV, and motorcycle?

    Generally, motorized vehicles are not protected by your standard homeowners insurance policy in Kennewick. You would need a separate insurance policy tailored for ATVs, boats, cars, and motorcycles. Some homeowners insurance companies might offer limited coverage for boats, but this coverage is usually not enough to fully compensate for the boat's value.

  • Why should you partner with an independent insurance agent when looking for homeowners insurance in Kennewick?

    Having an experienced insurance professional by your side is beneficial since finding the best and most affordable homeowners insurance in Kennewick can be challenging and complex. Instead of relying on an online quote, seek out an independent insurance agent who can offer you insurance options that are both reasonably priced and well-suited to your specific requirements.

  • 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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