Last updated:

Best Homeowners Insurance Agencies in Kirkland, WA

Our Recommended Top 6

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 Kirkland 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

5400 Carillon Point, Kirkland, WA 98033 Rating

Review Sources

4.7 (53)
4.0 (5)

Why choose this provider?

Based in Kirkland, Soleyon Insurance Partners, Inc., is an agency that offers services to help clients financially protect their homes in case of disaster. The firm works to help homeowners secure coverage for costs associated with the replacement of properties and personal possessions. Soleyon Insurance Partners also assists clients in determining suitable coverage types and fulfilling insurance requirements for mortgage loans. The agency was founded in 2005 and additionally handles business, vehicle, and life insurance.

  • Multiple Policy Types

1715 Market Street, Suite 100, Kirkland, WA 98033 Rating

Review Sources

4.0 (14)
4.1 (9)

Why choose this provider?

CHOICE Insurance, LLC, is an agency that helps Kirkland area residents determine policies that best suit their properties. The firm offers assistance in securing home insurance coverage from a range of carriers including Safeco, MetLife, Progressive, and PEMCO. CHOICE Insurance also offers bundling services for auto and home insurance policies. The firm has been in the insurance business since 1986 and provides personal and commercial insurance services as well as consulting and retirement planning support.

  • Personal Property Insurance
  • Multiple Policy Types

12509 130th Lane Northeast, Kirkland, WA 98034 Rating

Review Sources

5.0 (3)

Why choose this provider?

Best Insurance Services LLC is a full-service insurance company that serves residents and business owners in Kirkland and nearby areas. The firm assists individuals and families to select the right homeowners insurance policy that best suits their needs. Its independent agents handle several types of coverage options from 15 insurance carriers, including the dwelling structure, personal possessions, additional living expenses, and liability to others. Other offerings include all types of personal and business insurance plans.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

12700 NE 124th St #9, Kirkland, WA 98034 Rating

Review Sources

5.0 (15)
3.5 (3)

Why choose this provider?

AYAO Insurance is an insurance company that operates in Kirkland. It provides homeowners' coverage for unexpected property damage and subsequent repair and replacement costs. This covers the house itself and other areas like the backyard, roof, and chimneys. The company determines each client's coverage limit by looking into the property's features like its age, square feet, and the number of rooms. It also reimburses any damage to the personal belongings of owners like sports equipment, clothes, and electronic devices.

  • Multiple Policy Types

11410 98th Avenue Northeast, Kirkland, WA 98033 Rating

Review Sources

5.0 (5)
5.0 (2)
5.0 (1)

Why choose this provider?

Lee Insurance Services, Inc. is an independent insurance agency serving the residents of Kirkland. This firm works with multiple insurance providers, including CBIC, Banner Life, and Foremost, to provide an array of insurance solutions to clients. Its insurance agents carry homeowners' insurance products that provide coverage options to owners of condominiums, apartments, and homes. Home insurance policyholders receive financial compensation for losses from vandalism, theft, fire, smoke, and other covered events. They also receive guidance in determining appropriate coverage types.

  • Multiple Policy Types

951 6th Street South, Kirkland, WA 98033 Rating

Review Sources

4.8 (90)
3.5 (16)
5.0 (9)

Why choose this provider?

Katie Kelly, a State Farm insurance agent since 2011, insures homeowners to protect their assets in Kirkland and the surrounding communities. State Farm is a homeowners' insurance agency with basic policies that cover the client's home and other structures in the property, including the personal property kept inside the building. In the event that a clients' home is damaged by an accident covered by the policy, the client also receives provisions for living expenses while the house is being repaired.

  • Renter's Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Soleyon Insurance Partners, Inc.
5400 Carillon Point, Kirkland, WA 98033
CHOICE Insurance, LLC
1715 Market Street, Suite 100, Kirkland, WA 98033
Best Insurance Services
12509 130th Lane Northeast, Kirkland, WA 98034
AYAO Insurance
12700 NE 124th St #9, Kirkland, WA 98034
Lee Insurance Services, Inc.
11410 98th Avenue Northeast, Kirkland, WA 98033
Katie Kelly - State Farm Insurance Agent
951 6th Street South, Kirkland, WA 98033


  • 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 much could a homeowner in Kirkland save by bundling car with home insurance?

    Bundling car and homeowners insurance in Kirkland reduces the premiums of policies by a factor of 10% to 25%, which is significant if the policies are expensive. But, there are times when this is not the preferable option because certain perils might be excluded from bundles and require added costs, negating savings.

  • Are detached structures part of a standard homeowners insurance policy coverage in Kirkland?

    Yes, detached structures can be part of a standard homeowners insurance policy coverage in Kirkland for homes that have them. The coverage is not the same for attachments and is capped at a percentage of the dwelling's cost. This limit is at around 10% of the expense of fixing the main structure.

  • Does a homeowners policy in Kirkland protect a client from a tort that technically occurs outside the premises?

    Yes, a homeowners policy in Kirkland protects a client from a tort that occurs outside the premises. Dog bite cases are covered by personal liability plans, including those where the animal bites a neighbor through the fence, and thus outside of the property line. Note though that certain vicious breeds might be excluded.

  • What natural disasters will require additional policies for homeowners in Kirkland?

    For homeowners in Kirkland, earthquakes are not covered by routine home insurance plans and require additional policies. Flood damage is also not usually covered in regular contracts; it needs to be negotiated further with an insurance agent or company. Do note that wind, hail, fire, and lighting are all covered.

  • What are the top five homeowners insurance companies in Kirkland?

    In terms of market share, the top five homeowners insurance providers in Kirkland in ascending order are Farmers Insurance, Liberty Mutual, USAA, Allstate, and State Farm. As reported by the Office of the Insurance Commissioner in Washington State, the top five players in ascending order are USAA, Allstate, PEMCO, Safeco, and State Farm.

  • 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.