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2024

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Best Homeowners Insurance Agencies in Tacoma, WA

Our Recommended Top 11

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 Tacoma 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.

122Reviewed

77Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1007 Pacific Avenue, Tacoma, WA 98402

Expertise.com Rating

Review Sources

Google
4.3 (4)
Facebook
5.0 (3)
Yelp
1.0 (1)

Why choose this provider?

Owned by Dave Wiita and Daniel Welch, W Insurance Group is a Tacoma-based insurance agency that offers home insurance and other personal and business insurance programs. The company's home insurance program provides a customized solution that will help its clients save money while getting the protection they hope for. The company was first established in the 1970s as Farmer's Insurance Agencies, giving it dependability and stability. W Insurance Group also offers its services to Bellevue and Seattle.

  • Multiple Policy Types

4961 Main Street, Tacoma, WA 98407

Expertise.com Rating

Review Sources

Google
5.0 (208)
Facebook
5.0 (10)
Yelp
5.0 (3)

Why choose this provider?

Pfarr Insurance Agency provides individual insurance solutions to residents and business owners in Tacoma. The company's agents assist homeowners in protecting their homes and personal assets and covering their liability in case of unfortunate events. They also help residents file financial claims for property damages, losses, and personal injuries. Other personal offerings include condo and renters' insurance, auto insurance, life and health policies, as well as umbrella protection. The company has been named as one of the Best of South Sound Companies in 2021 by South Sound Magazine.

  • Multiple Policy Types

4707 S 19th St Ste 120, Tacoma, WA 98405

Expertise.com Rating

Review Sources

Yelp
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Mark Mattingly is a COUNTRY financial agent based in Tacoma. He provides insurance for homeowners and their properties such as condominiums and lots. It covers damages to the house and its belongings from fires, vehicular crashes, broken glass, and electrical damage. Mark also provides retirement investments, life insurance, farm insurance, and coverage for crops. The company, COUNTRY Financial, started back in 1925. It believes in a personalized plan to protect its customers from unexpected events and expenses.

  • Personal Property Insurance
  • Multiple Policy Types

401 Broadway Suite 100, Tacoma, WA 98402

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Based in Tacoma, Goff Insurance Agency LLC is an independent insurance agency that is family-owned and operated. The agency offers homeowners insurance, which can protect against all possible incidents, or only specific losses. As an independent agency, Goff Insurance Agency LLC can work with many insurance providers, which allows it to find customers the right policy for their needs. It works with insurance providers such as Travelers, Safeco Insurance, PEMCO Insurance, and Stillwater Insurance Company.

  • Fire
  • Earthquake
  • Condos

7018 Tacoma Mall Blvd, Tacoma, WA 98409

Expertise.com Rating

Review Sources

Google
4.7 (223)
Yelp
5.0 (6)

Why choose this provider?

Vern Fonk Insurance Services has been providing personal and commercial financial solutions in Tacoma for more than 60 years. The company helps homeowners secure financial protection against property damages, losses, and injury liabilities in times of unfortunate events. Its licensed agents provide several types of home insurance, including condominium, farm and ranch, mobile home, rental property, townhouse, and vacant property. Other offerings include property, vehicle, health, and business insurance policies. The company also serves clients throughout Idaho, Washington, and Oregon.

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

8031 Pacific Avenue, Tacoma, WA 98408

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.5 (15)
Yelp
1.0 (1)

Why choose this provider?

Cross Insurance Agency is a full-service insurance company that serves the Tacoma metro area and nearby localities. The firm assists homeowners in protecting their dwellings, personal assets, and other belongings against disasters and unfortunate events. Its agents provide a variety of insurance coverage, including for condos, renters, landlord protection, floods, and earthquakes. Other offerings include vehicle, business, trucking, and other special insurance policies. The company also serves clients in Centralia, Olympia, Vancouver, and Marysville.

  • Earthquake
  • Personal Property Insurance
  • Multiple Carriers

12909 Pacific Avenue South, Tacoma, WA 98444

Expertise.com Rating

Review Sources

Google
3.9 (23)
Facebook
5.0 (2)

Why choose this provider?

Dan Marek Insurance specializes in various areas including homeowners' insurance. Serving Tacoma residents, the agency offers coverage for homes, manufactured homes, and rental properties. The company provides insurance plans from several providers including American Modern, Foremost, Kemper, Safeco, and Travelers. Its team also helps renters obtain insurance plans. Dan Marek Insurance is a family-owned and -managed business with over five decades of experience in the industry. Aside from home insurance, the agency also insures antique rods, boats, RVs, and motorcycles.

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

7403 Lakewood Dr W Ste 13, Lakewood, WA 98499

Expertise.com Rating

Review Sources

Google
4.8 (16)
Facebook
5.0 (8)

Why choose this provider?

Michael Lewis - State Farm Insurance Agent is an insurance professional that serves Tacoma residents. Together with his team, Lewis offers a wide range of insurance products such as homeowners' insurance. The agent offers home insurance policies that cover damage resulting from unexpected events including theft, fire, and vandalism. He also insures farms, ranches, and manufactured homes. Lewis also offers insurance for personal articles such as fine art and collectibles. He has been providing insurance services for nearly three decades.

  • Personal Property Insurance
  • Multiple Policy Types

4218 South Steele Street, Tacoma, WA 98409

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (12)

Why choose this provider?

Sound Pacific Insurance is an independent insurance agency that helps Tacoma clients get home insurance and other types of policies. It has affiliations with several insurance carriers, providing access to a wide range of insurance products. Its agents help clients determine which policy options are the most ideal for them. Some of the coverages that can be commonly seen in homeowners' insurance policies include dwelling, other structures, personal property, loss of use, medical expenses, or family/personal liability. Sound Pacific Insurance also offers other products, such as business insurance, life insurance, and auto insurance.

  • Personal Property Insurance

1901 South 72nd Street, Tacoma, WA 98408

Expertise.com Rating

Review Sources

Google
4.7 (28)
Facebook
5.0 (9)
Yelp
3.0 (2)

Why choose this provider?

Sav-On Insurance is a locally-owned agency with an office in Tacoma. Included in its line of services is home insurance. Its agents work with various insurance carriers to provide clients with different home insurance coverage options. They also offer special coverage for floods and earthquakes. The agency also provides multi-policy insurance for clients who own both a home and a condominium. Sav-On Insurance has been in business for more than five decades. The company caters to Spanish-speaking clients.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

12001 Pacific Avenue South, Tacoma, WA 98444

Expertise.com Rating

Review Sources

Google
4.7 (35)
Yelp
5.0 (3)

Why choose this provider?

Tony Brooks is a State Farm insurance agent who provides homeowners' coverage for clients in Tacoma. With State Farm, clients remain covered for the replacements and repairs their home needs even when they are away on errands or vacation. The company covers damaged personal belongings, from keepsakes to house or gardening equipment, that have been affected by hazards such as lighting, wind, hail, or sudden incidents like theft or vandalism. Serving other areas such as Lakewood and Parland, Tony also offers auto, property, business, life, health, and pet insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
W Insurance Group
1007 Pacific Avenue, Tacoma, WA 98402
Pfarr Insurance Agency
4961 Main Street, Tacoma, WA 98407
Mark Mattingly - Country Financial Agent
4707 S 19th St Ste 120, Tacoma, WA 98405
Goff Insurance Agency LLC
401 Broadway Suite 100, Tacoma, WA 98402
Vern Fonk
7018 Tacoma Mall Blvd, Tacoma, WA 98409
Cross Insurance Agency
8031 Pacific Avenue, Tacoma, WA 98408
Dan Marek Insurance
12909 Pacific Avenue South, Tacoma, WA 98444
Michael Lewis - State Farm Insurance Agent
7403 Lakewood Dr W Ste 13, Lakewood, WA 98499
Sound Pacific Insurance
4218 South Steele Street, Tacoma, WA 98409
Sav-On Insurance
1901 South 72nd Street, Tacoma, WA 98408
Tony Brooks - State Farm Insurance Agent
12001 Pacific Avenue South, Tacoma, WA 98444

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 are Tacoma homeowners' obligations and entitlements during an insurance claim process?

    When initiating a homeowner's insurance claim in Tacoma, homeowners must engage in the assessment, showcase pertinent proofs like images or buying documents, and swiftly submit essential details. In return, they receive clear insights about what their policy covers, an itemized breakdown of their reimbursement, quick feedback from their insurance provider, and reasonable settlement of their claims. If the assessed damage value is in dispute, they can request another review or seek advice from an external adjuster.

  • Does homeowners' insurance in Tacoma cover individuals against dog bite claims?

    In Tacoma, homeowners' insurance protects individuals if their dog injures someone through a bite. However, specific breeds might not be covered. Before a Tacoma resident gets a new dog, they should speak with their insurance agent regarding any breed-related exclusions. As every incident has unique aspects, insurers will evaluate the details of each claim to ensure no policy exclusions apply.

  • What homeowners' insurance coverages are essential for residents of Tacoma?

    For residents of Tacoma, several essential homeowner's insurance coverages are pivotal. Personal property insurance safeguards household items, encompassing appliances, clothing, and valuable collectibles. Dwelling insurance covers the residence and its integral components, such as plumbing and electrical systems. Coverage for separate structures, such as detached garages, is provided under the 'other structures' policy. Furthermore, should a non-resident experience injury on one's premises, personal liability insurance offers protection against potential legal repercussions.

  • In Tacoma, what should homeowners consider when selecting a homeowners' insurance provider?

    While online tools facilitate rate comparisons, Tacoma homeowners must prioritize an insurance company's financial stability and long-standing reputation. The company's solvency is vital to guarantee uninterrupted policy coverage, and timely responsiveness is essential during claims processing. Notably, many providers present discounts for new homeowners or through package deals. Additionally, measures like burglary prevention can influence insurance rates.

  • How do Tacoma homeowners choose an appropriate deductible for their homeowners' insurance policy?

    Tacoma homeowners should ensure they can afford their insurance deductible at any point in time, given the unpredictability of potential disasters. A balance needs to be struck, as a lower deductible might result in higher monthly premiums. Generally, higher deductibles correspond to lower premiums. Homeowners should evaluate their financial situation to make an informed decision that aligns with their budget and provides financial security.

  • 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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