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2024

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Best Homeowners Insurance Agencies in Kent, WA

Our Recommended Top 7

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 Kent 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.

78Reviewed

49Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

22506 Marine View Drive South, Des Moines, WA 98198

Expertise.com Rating

Review Sources

Facebook
5.0 (16)

Why choose this provider?

Great Northwest Insurance Brokers is an independent agency offering personalized insurance options for residents near Kent. Its licensed professionals evaluate individual circumstances and shop numerous carriers to deliver the most comprehensive homeowners insurance at competitive rates. They cover primary and secondary residences, condos, and farms as well as renters. Great Northwest Insurance Brokers also offers auto and life coverage in addition to a full range of business related policies, including general liability and commercial umbrella.

  • Personal Property Insurance
  • Multiple Policy Types

10120 Southeast 260th Street, Kent, WA 98030

Expertise.com Rating

Review Sources

Google
4.4 (5)
Facebook
5.0 (5)

Why choose this provider?

Agency 1 Insurance is an independent multi-line agency in Kent that offers homeowners policies. Its offered plans cover common hazards such as theft and fires, damages to the home and its additional structures such as garages or sheds, losses from theft, select personal valuables, liabilities, and additional expenses in the event of property loss. Agency 1 Insurance also counsels clients on factors that determine their policy, including its scope or limitations.

  • Multiple Policy Types

124 4th Avenue South, Kent, WA 98032

Expertise.com Rating

Review Sources

Google
4.8 (22)
Facebook
4.8 (10)
Yelp
4.0 (5)

Why choose this provider?

Doug Jones - State Farm Insurance Agent is an agency located in Kent. Doug Jones has been serving the insurance needs of families and small businesses since 1992. He provides a homeowners' insurance plan that covers various types of threats including abrupt plumbing system damages, fire, theft, and natural disasters. The plan also financially protects the client's belongings such as collectibles, musical and sports equipment, and lawn decorations. Jones also offers health, life, business, auto, and pet insurance.

  • Multiple Policy Types

24401 104th Avenue Southeast, Kent, WA 98030

Expertise.com Rating

Review Sources

Google
4.8 (222)
Facebook
4.5 (16)
Yelp
1.5 (6)

Why choose this provider?

Heritage Insurance is an independent agency offering Kent residents personalized insurance options. The company's licensed agents represent multiple carriers to deliver the most effective coverage for its clients' dwellings, secondary structures, pets, and personal possessions. They also help ensure proper liability protection is in place in the event that a guest is injured while on the premises or a pet causes damage. Heritage Insurance also offers supplemental flood and earthquake policies.

  • Multiple Policy Types

1202 Main Street, Sumner, WA 98390

Expertise.com Rating

Review Sources

Google
4.6 (16)
Facebook
4.5 (8)
Yelp
3.5 (3)

Why choose this provider?

Duane Weber Insurance is an independent agency that's provided individualized coverage for the residents of Kent for more than 30 years. Its licensed professionals offer comprehensive homeowners insurance for primary and secondary residences, condos, mobile homes, rental properties, and farms and ranches. They evaluate specific needs and research multiple carriers to deliver the policy options that provide the appropriate coverage. Duane Weber Insurance also offers auto and life insurance in addition to a wide range of commercial products.

  • Multiple Policy Types

12940 Southeast Kent-Kangley Road, Kent, WA 98030

Expertise.com Rating

Review Sources

Google
4.8 (12)
Facebook
4.6 (11)
Yelp
3.0 (2)

Why choose this provider?

Deborah Ismail is a State Farm insurance agent providing insurance services and products in Kent since 1994. Deborah opened her own insurance office in 2007 and is a member of the Chamber of Commerce. The agency's team protects investments and assets by providing financial security when property damages occur. Personal properties are also covered under home insurance even if policyholders are away. Other property insurance offered are renters and personal articles. Deborah is also a volunteer in United Way.

  • Multiple Policy Types

16238 SE 272nd St, Kent, WA 98042-8213

Expertise.com Rating

Review Sources

Google
4.1 (9)
Yelp
4.5 (6)
Facebook
5.0 (1)

Why choose this provider?

Phil Boldman is a State Farm agent who's served the best interests of his clients in Kent for more than 30 years. Mr. Boldman's agency determines the appropriate homeowners insurance coverage by evaluating the age, condition, and size of the dwelling, secondary structures, pets, and personal possessions. State Farm's standard policies cover damage from such events as fire, hail, and plumbing line backups as well as theft or vandalism. The company also offers supplemental plans for more extensive coverage options.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Great Northwest Insurance Brokers
22506 Marine View Drive South, Des Moines, WA 98198
Agency 1 Insurance
10120 Southeast 260th Street, Kent, WA 98030
Doug Jones - State Farm Insurance Agent
124 4th Avenue South, Kent, WA 98032
Heritage Insurance
24401 104th Avenue Southeast, Kent, WA 98030
Duane Weber Insurance
1202 Main Street, Sumner, WA 98390
Deborah Ismail - State Farm Insurance Agent
12940 Southeast Kent-Kangley Road, Kent, WA 98030
Phil Boldman - State Farm Insurance Agent
16238 SE 272nd St, Kent, WA 98042-8213

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 process is used by insurers to determine the cost of replacing or rebuilding a damaged or destroyed residential property in Kent?

    Replacement cost analysis, a homeowners' insurance policy coverage, is used by insurance providers to estimate the cost of rebuilding or replacing a damaged home in Kent. Replacement cost coverage aims to cover the full cost of replacing or repairing the property to its pre-loss condition, excluding depreciation. This results in a larger payout in the event of a claim. The cost of replacing a home may fluctuate on a regular basis due to changes in raw material prices, labor costs, and supply and demand.

  • What variables can affect the cost of homeowners' insurance in Kent?

    The cost of homeowners' insurance in Kent can be influenced by a number of factors, including the value of the home and the cost to rebuild or repair it in the event of damage or destruction. Other factors considered by insurance companies when calculating premiums include the property's geographic location, the homeowner's credit score, and the home's security features.

  • How can higher deductibles lower the price of homeowners’ insurance premiums in Kent?

    Insurance companies charge lower premiums to Kent residents who agree to bear a greater portion of the risk associated with potential claims. By choosing a higher deductible, policyholders assume more risk, reducing insurers' exposure to potential payouts. Consider the following scenario with a $500 deductible. In this case, a homeowner would be obligated to pay the first $500 for any eligible loss.

  • Are wildfires included in the standard homeowners’ insurance in Kent?

    Yes, fire is a covered risk in every Kent homeowners' insurance policy. This means that a home and its contents will be covered if they are damaged by a wildfire. Living in a region prone to frequent wildfires, on the other hand, may cause some insurance providers to decline coverage. Even if they provide some protection against wildfires, it may not be enough. To supplement their coverage, homeowners can obtain additional protection through fire-specific endorsements and insurance plans.

  • What are the factors that Kent homeowners must consider when choosing personal liability coverage limits?

    Residents in Kent must consider factors such as their income and possessions when deciding on personal liability coverage limits for homeowners' insurance. In addition, they must ensure that their personal liability coverage is adequate to protect their assets in the event of a lawsuit. In some cases, an umbrella policy may be required to provide additional coverage.

  • 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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