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2024

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Best Homeowners Insurance Agencies in Seattle, WA

Our Recommended Top 18

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 Seattle 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.

356Reviewed

220Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

19009 33rd Ave W Ste 310, Lynnwood, WA 98036

Expertise.com Rating

Review Sources

Google
4.9 (32)

Why choose this provider?

Founded in 2016, Sound Choice Insurance Agency is an independent insurance agency located in Lynwood, Washington, and serving customers in the Seattle, Washington, metro area. Tony Conti, the owner of the agency, has over 45 years of experience working in the insurance industry. Sound Choice's home insurance offerings include homeowners and renters insurance. Policies also cover damage resulting from natural disasters, including earthquakes and volcanoes, of which residents of Washington state are at increased risk.

  • Flood
  • Personal Property Insurance
  • Multiple Policy Types

820 Harvey Rd NE Ste D, Auburn, WA 98002

Expertise.com Rating

Review Sources

Google
4.3 (9)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1979, Gary Turner Agency is an Auburn-based insurance agency serving residents in and around Seattle, Washington. The company offers home insurance options from a variety of insurance providers to ensure reasonable rates and reliable service for its clients. Gary Turner Agency works with clients to determine optimal packages to cover their home insurance needs while staying within their budgets. The company also offers life insurance, disability coverage, commercial liability insurance, and bonds insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

10550 Lake City Way NE Ste C, Seattle, WA 98125
WebsiteLicense: 798599

Expertise.com Rating

Review Sources

Google
4.8 (140)
Facebook
5.0 (13)
Yelp
4.5 (7)

Why choose this provider?

Lisa K. Maples is a State Farm insurance agent that serves Seattle and the neighboring communities. She procures personalized insurance plans for homeowners and guides them through finding the right insurance policies that cover their properties, personal belongings, and liabilities. She also offers life, auto, and business insurance plans and assists clients in the insurance relocation process. Her team of insurance agents has 30 years of combined experience serving the residents and businesses of the metro.

  • Renter's Insurance
  • Homeowners

431 15th Ave E, Seattle, WA 98112
WebsiteLicense: 165764

Expertise.com Rating

Review Sources

Google
4.7 (19)
Yelp
5.0 (18)
Facebook
4.8 (9)

Why choose this provider?

Spangler Insurance is an independent company that serves families and individuals in the Seattle metro. It provides a range of personal insurance plans, including homeowners' policies. The agency aims to protect policyholders and their investment properties through personalized dwelling, personal liability and property, medical, and additional living expense coverages. Its specialists also help clients acquire life, auto, general liability, and commercial umbrella insurance. Owner Tom D. Spangler has been in the insurance and marketing industry for 30 years.

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

2731 77th Avenue Southeast, Mercer Island, WA 98040

Expertise.com Rating

Review Sources

Google
4.4 (9)
Facebook
5.0 (1)

Why choose this provider?

Anchor Marine Underwriters is a Seattle insurance agency that provides homeowners and umbrella policies. Areas of coverage include damage due to fires and certain weather disasters, personal liability for injuries that occur on homeowner property, and loss of valuable items following break-ins or theft. Additionally, the company's agents provide guidance on the benefits of adding separate polices to standard homeowners policies to prevent gaps and ensure damage due to earthquakes and severe flooding are fully covered.

  • Multiple Policy Types

12909 Pacific Ave S, Tacoma, WA 98444

Expertise.com Rating

Review Sources

Google
4.0 (25)
Facebook
4.2 (5)

Why choose this provider?

Tacoma-based Dan Marek Insurance is an independent agency serving the Seattle metro area of Washington State. Founded in 1953, it remains family-owned and operated. The agency represents multiple insurance carriers, including Safeco and Foremost, providing it with a wide range of home insurance options for its clients. Coverage is available for homeowners, rental properties, and manufactured homes. Dan Marek Insurance offers discounts for clients who combine home and auto insurance policies with the agency.

  • Personal Property Insurance
  • Homeowners

506 2nd Ave., Ste. 1400, Seattle, WA 98104
WebsiteLicense: 979689

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Founded in 2016, Orca Insurance is a company that caters to clients all around Seattle. The firm offers a variety of insurance products, including homeowners' insurance. It works with real estate professionals, mortgage brokers, and landlords to assist homebuyers with all of their insurance needs. Its insurance agents can also write policies for condos, autos, and businesses. The firm's president, Bill Lan, is experienced in marketing, product development, and underwriting. He holds the Chartered Property and Casualty Underwriter designation.

  • Homeowners

5431B California Ave SW, Seattle, WA 98136
WebsiteLicense: 700361

Expertise.com Rating

Review Sources

Google
4.9 (83)
Yelp
5.0 (20)
Facebook
5.0 (3)

Why choose this provider?

Northwest Insurance Group is an independent agency serving the Seattle metro. It helps families and individuals acquire homeowners' insurance to protect them from financial losses caused by unexpected events like theft and natural disasters. The company also offers other personal and business plans, including umbrella, classic car, renters', BOP, and commercial general liability insurance. Northwest Insurance Group was founded in 1998. It gives back to the community by supporting various charities, such as the West Seattle Food Bank and 2019 Toys for Tots Drive.

  • Homeowners

18023 62nd Avenue Northeast, Kenmore, WA 98028

Expertise.com Rating

Why choose this provider?

Michelman Insurance Group is a full-service insurance agency in Seattle that brokers homeowners policies. In business since 1986, the agency provides an online form for potential customers to obtain quick quotes, and all policies can be customized. The agency is independent, and it represents multiple carriers to help customers compare rates and choose optimal coverage for property damage due to fires and other disasters, personal liability, and damages caused by vandalism and break-ins.

  • Earthquake
  • Flood
  • Fire

4201 Roosevelt Way NE, Seattle, WA 98105

Expertise.com Rating

Review Sources

Google
4.9 (61)
Facebook
4.7 (12)
Yelp
3.0 (10)

Why choose this provider?

C. Don Filer Agency, Inc., offers insurance policies to clients across Seattle, Ballard, Monroe, and Arlington. The agency connects clients to insurance carriers that provide policies such as homeowners' insurance, renters' insurance, auto insurance, life insurance, and business insurance. Clients can also file for claims and create policy changes through the agency's online service center. C. Don Filer Agency has been serving the Northwest region for more than seven decades. It supports various charities, including The Noah Center, Housing Hope, and American Parkinson Disease Association.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

2633 Eastlake Ave E #206A, Seattle, WA 98102
WebsiteLicense: 733009

Expertise.com Rating

Review Sources

Google
5.0 (236)
Yelp
4.5 (30)
Facebook
5.0 (3)

Why choose this provider?

Rusty Dubose is an insurance agent who has been working for State Farm in Seattle since 2009. This individual offers homeowners' insurance plans that cover home repairs, replacements, and item storage. He also provides insurance policies for renters so that their properties are covered in cases of burglaries, vandalism, fires, and water damages. Dubose also works to secure a family's future by providing life insurance plans to cover mortgage payments, debts, and college education.

  • Condos
  • Multiple Policy Types

5191 S Spencer Street, Seattle, WA 98118
WebsiteLicense: 728617

Expertise.com Rating

Review Sources

Yelp
5.0 (20)
Google
4.3 (6)

Why choose this provider?

An independent company, Norwest Insurance Agency caters to the residents of Seattle and its neighboring metros. Its homeowners’ insurance has coverage options such as property or dwelling, personal liability, personal property, medical, and optional liability. It also offers renters’, condo, landlord, earthquake, and umbrella insurance. Policies such as classic car, off-road vehicle, and motorcycle insurance are also available. Its owners, David and Sigrid Benezra, have more than 20 years of industry experience. David is a Certified Insurance Counselor and Certified Risk Manager.

  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

600 SW 39th St Ste 200, Renton, WA 98057

Expertise.com Rating

Review Sources

Facebook
4.6 (90)
Google
3.8 (5)

Why choose this provider?

Bell-Anderson Agency Inc. has been selling home insurance to the community of Seattle, Washington, since 1929. As an independent agency, the company works with more than 10 insurance carriers, including Nationwide, Progressive, and The Hartford, enabling it to provide its clients with multiple choices when it comes to their coverage. These policies can cover damage and loss of property and belongings caused by a break-in or natural disaster. Bell-Anderson also sells auto, life, and health insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

3805 108th Avenue Northeast, Bellevue, WA 98004

Expertise.com Rating

Review Sources

Google
4.9 (87)
Facebook
5.0 (1)

Why choose this provider?

Toby Stevens - State Farm is a licensed insurance broker in Seattle that offers homeowners and property insurance policies. The company's website features an online portal for customers to obtain quotes, file claims, and make payments, and Mr. Stevens provides guidance on the most suitable homeowners plans to meet customers' specific needs and budgets. In addition to homeowners plans that cover damage from fires, severe weather, and vandalism, Mr. Stevens offers umbrella policies and separate flooding policies.

  • Personal Property Insurance

1375 State Avenue, Marysville, WA 98270

Expertise.com Rating

Review Sources

Yelp
4.5 (6)

Why choose this provider?

Serving customers throughout Marysville, InsureOne Insurance is a full-service insurance agency that offers homeowners policies. The business features an online quote calculator on its website, and it offers customized homeowners plans to meet the specific budgets and coverage needs of each customer. InsureOne provides policies for single-family homeowners and townhouse owners, with areas of coverage that include structural damage, personal property and possessions inside the home, personal liability, and living expenses in the event of fires and certain weather disasters that require homeowners to temporarily vacate.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

3301 Burke Ave N Ste 210, Seattle, WA 98103
WebsiteLicense: 821422

Expertise.com Rating

Why choose this provider?

Outlook Insurance Group is a locally operated company that serves residents and business owners in Seattle. It offers an array of personal insurance products, including homeowners', auto, umbrella, and life policies. Commercial plans for clients' businesses, company vehicles, liabilities, and bonds are also available. As an independent company, Outlook Insurance Group works with several carriers, such as MetLife and Liberty Mutual, to help clients find the right coverage for their needs. Clients have commended the company's prompt and informative answers to their insurance concerns.

  • Renter's Insurance
  • Homeowners

3837 13th Ave W #103, Seattle, WA 98119
WebsiteLicense: 54829

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
4.7 (14)
Yelp
5.0 (11)

Why choose this provider?

Christopher Togawa Insurance Agency in Seattle tailors homeowners’ insurance coverage from among a selection of represented carriers. The independent agency assembles custom policies to heed varied coverage needs, from structural damage compensation following disasters to general liability. By fine-tuning insurance plans, it helps clients making the most of their benefits and premiums. Principal agent Christopher Togawa, a second-generation insurance professional, opened CTIA in 1988 to help financially protect his local community from common risks.

  • Homeowners

600 University St Ste 1200, Seattle, WA 98101

Expertise.com Rating

Why choose this provider?

AHT is a full-service insurance brokerage based in Seattle, Washington, with eight offices located throughout the country. Employee-owned, the agency represents multiple carriers to bring clients ongoing assistance with home insurance, covering damaged or destroyed structures, natural disasters, and personal liability. Agents help clients create insurance packages that reduce the possibility of loss while closing gaps in existing coverage. AHT also provides professional liability, property and casualty, cyber risk insurance services.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sound Choice Insurance Agency
19009 33rd Ave W Ste 310, Lynnwood, WA 98036
Gary Turner Agency
820 Harvey Rd NE Ste D, Auburn, WA 98002
Lisa K. Maples
10550 Lake City Way NE Ste C, Seattle, WA 98125
Spangler Insurance
431 15th Ave E, Seattle, WA 98112
Anchor Marine Underwriters, Inc.
2731 77th Avenue Southeast, Mercer Island, WA 98040
Dan Marek Ins
12909 Pacific Ave S, Tacoma, WA 98444
Orca Insurance
506 2nd Ave., Ste. 1400, Seattle, WA 98104
Northwest Insurance Group
5431B California Ave SW, Seattle, WA 98136
Michelman Insurance Group, Inc.
18023 62nd Avenue Northeast, Kenmore, WA 98028
C. Don Filer Agency, Inc.
4201 Roosevelt Way NE, Seattle, WA 98105
Rusty Dubose
2633 Eastlake Ave E #206A, Seattle, WA 98102
Norwest Insurance Agency
5191 S Spencer Street, Seattle, WA 98118
Bell-Anderson Agency, Inc.
600 SW 39th St Ste 200, Renton, WA 98057
Toby Stevens - State Farm
3805 108th Avenue Northeast, Bellevue, WA 98004
InsureOne Insurance - Marysville
1375 State Avenue, Marysville, WA 98270
Outlook Insurance Group
3301 Burke Ave N Ste 210, Seattle, WA 98103
Christopher Togawa Insurance Agency
3837 13th Ave W #103, Seattle, WA 98119
A H & T
600 University St Ste 1200, Seattle, WA 98101

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.
  • Do you need additional coverage for earthquake damage in Seattle?

    As Seattle is prone to earthquakes, it is advisable to think about getting extra coverage specifically designed for earthquake damage. This coverage can typically be added as an extension to your current homeowners’ or renters’ insurance, or it can be obtained as a separate policy.

  • What's the difference between replacement cost and actual cash value in Seattle's homeowners' insurance?

    In Seattle homeowners’ insurance, the concept of replacement cost value involves compensating you for the expense required to replace damaged belongings with similar items. On the other hand, actual cash value pertains to reimbursement determined by the current diminished value of your possessions.

  • Can your insurance company raise your rates after you file a claim in Seattle?

    In Seattle, certain insurers might increase your premiums in response to the frequency of filed homeowners’ insurance claims. In some cases, they might even opt to terminate your coverage if you have already made numerous claims. It’s highly advised to consult your agent to understand how their insurance company manages your claims history.

  • Can your homeowners' insurance company cancel your policy without a specific reason in Seattle?

    In Seattle, your homeowners' insurance company cannot terminate your policy without providing a specific reason. They are required to give you a 45-day advance written notice for policy cancellation or non-renewal, while a 10-day notice is mandated for late premium payments. Additionally, the provided explanation for the policy's cancellation or non-renewal must be transparent and understandable.

  • Are you covered if someone gets injured on your property in Seattle?

    In Seattle, homeowners’ insurance offers coverage for personal injury situations, including injuries on your property and dog bites both on and off your premises. It comprises liability and medical payments coverage. Note that this coverage is applicable to non-policy individuals who do not live on the property. In such cases, your insurance may cover medical expenses and legal fees if the injured party decides to pursue legal action.

  • 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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