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Best Homeowners Insurance Agencies in Federal Way

2023

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Website
7610 Pioneer Way, Gig Harbor, WA 98335
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Michael J. Clifford Insurance Services was founded in 1990 to offer a range of insurance services to home and business owners throughout the state of Washington. The independent agency can freely advise clients on a wide selection of home insurance policies provided by industry leaders, such as Foremost and Hagerty. They can also tailor policies to provide the coverage their clients need and discuss additional coverage for expensive personal items, such as jewelry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (49)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1230 S 336th St STE F, Federal Way, WA 98003
  • Multiple Policy Types

Why choose this provider?

Hart Insurance Agency offers insurance policy options to residents and business property owners in Federal Way and the surrounding areas. Its homeowners insurance policies cover dwelling insurance for houses and other structures like garages and decks, coverage for detached structures such as sheds and outbuildings, house contents and personal property, and liability. Flood, landslide, and earthquake coverage can be purchased separately. The company has been in the insurance industry since 1967.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (28)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3815 100th Street Southwest, Lakewood, WA 98499
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

AMR Insurance is an independent agency that can offer its clients an array of policies provided by the biggest insurers, such as The Hartford and Liberty Mutual. Focusing mainly on Pierce County and the neighboring communities, its agents regularly assist homeowners looking for insurance that will cover them from major disasters, such as fires and flooding. The agents can also advise on additional coverage, such as replacement costs for personal items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
32001 32nd Avenue South, Federal Way, WA 98001
  • Multiple Policy Types

Why choose this provider?

Kurt Kwon is a State Farm insurance agent based in Federal Way that helps clients in navigating insurance matters. Since 2003, Kwon and his team have been offering assistance in a wide range of insurance products, ranging from auto, homeowners, life, renters, and business. They assess insurance policies, find possible loopholes, and adjust the coverage when needed. Kwon also has a Spanish-speaking team and can be contacted during off-hours and weekends.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (47)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Federal Way, WA
  • Multiple Policy Types

Why choose this provider?

Arnold Smith Insurance is an independent insurance agency based in Federal Way that's been serving personal and business customers in the surrounding areas since 1972. The agency's services include sourcing a choice of home insurance products from multiple insurers, explaining the coverage offered by each to its clients, and discussing optional add-ons, such as coverage for expensive personal items. Additionally, the agency can help its personal clients find a range of life, health, and auto insurance policies to choose from.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (9)
Facebook
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
33919 9th Avenue South, Federal Way, WA 98003
  • Multiple Policy Types
  • Fire

Why choose this provider?

Basin Pacific is a Federal Way insurance company that has been providing custom-tailored insurance solutions since 1997. It offers a wide range of home, life, health, and business insurance products and services. The company aims to help individuals and families protect their assets and investments through home insurance. Its professionals can also assist in filing an auto or home insurance claim in case of damage. Basin Pacific partners with Nationwide, CIG, Liberty Mutual, and Oregan Mutual Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
930 South 336th Street, Federal Way, WA 98003
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Based in Federal Way for more than 18 years, CYM Insurance Inc. is an independent agency that's partnered with many of the biggest carriers, such as Safeco and Progressive, to offer its clients a wider choice of home insurance policies. Jessie Robare and her team can explain the coverage limitations of each policy and tailor them to handle the client's needs and budget. Ms. Robare can communicate fluently in English and Chinese.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Federal Way, WA
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

Located in Federal Way, Strand Insurance is an independent agency that's been serving clients in Washington, Oregon, and the neighboring states since 1925. Its agents can help homeowners find policies from a range of carriers that satisfy their coverage needs. These can include protection against the costs of a fire, theft, accidental damage, and liability. Strand Insurance also provides policies for business customers in a range of industries, including breweries, garage repair shops, and professional service companies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
PO Box 189, Gig Harbor, WA 98335
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Condos

Why choose this provider?

Stanford Insurance Services offers insurance policy options to residents and business property owners in Federal Way and the surrounding areas. The homeowners insurance policies include property or dwelling coverage, personal property insurance, additional living expenses for up to 24 months, personal liability coverage, and medical coverage for guests injured while on the client's property. Additional coverage options include scheduled personal property coverage for special possessions, such as jewelry, art, antiques, and collectibles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
6314 19th Street West, Fircrest, WA 98466
  • Multiple Policy Types

Why choose this provider?

Team Insurance is a two-person agency that serves Federal Way. The insurance professionals work with different carriers to provide clients with various types of protection plans, including home insurance. They also furnish policies for owners of motorhomes and RVs. Team Insurance, which is also licensed in Arizona and Oregon, was founded in 1996 by Dixie, an insurance agent with nearly four decades of experience in the industry. The company firmly believes in giving back to the community through volunteering and supporting local businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (2)

Website
7403 Lakewood Drive West, Lakewood, WA 98499
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Condos
  • Multiple Policy Types

Why choose this provider?

The agents at the Elliott Insurance Group routinely assist homeowners in need of policies that cover them from the repair and replacement costs incurred by fires, floods, and other disasters. Its independent agents can find a choice of policies offered by carriers, such as Bristol West and Progressive, and explain the pros and cons of each to their clients. Additionally, they can discuss add-ons to policies that provide coverage for valuable personal items.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (15)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5712 Orchard Street West, University Place, WA 98467
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Since it was founded in 1977, Fournier Insurance Solutions has expanded to five locations across Western Washington, each providing clients with policies that its agents only recommend after evaluating their worth to the individual client. They have particular experience in offering home insurance policies that can cover everything from homes damaged by storms to the loss of personal items in fires. Fournier Insurance Solutions also offers life and business insurance in addition to industry-specific insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.4 / 5 (13)
Google
4.7 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
6919 Lakewood Drive West, Tacoma, WA 98467
  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

As an independent agency, Alliance West Insurance Inc. isn't limited to offering its clients specific products offered by a single carrier. Instead, it can find a range of similar products from multiple carriers for clients looking for home insurance that provides them with the coverage they need at a price they can afford. Additionally, its agents can explain policies and discuss additional coverage that the client may not have considered, such as liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (239)
Facebook
5.0 / 5 (45)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3412 56th Street NW, Gig Harbor, WA 98335
  • Multiple Policy Types

Why choose this provider?

Patrick Kelly has been a State Farm insurance agent for more than a quarter of a century. Mr. Kelly and his team share more than a century of experience, with much of it in helping homeowners find home insurance policies within their budgets that provide the coverage they need. The agency can also discuss additions to policies that can cover the loss of personal items, such as jewelry, art, and electronics.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (27)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • 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.

  • Why should a homeowner in Federal Way get umbrella insurance?

    Home insurance may not provide sufficient coverage for Federal Way residents who have additional risks, such as a swimming pool, pet dog, or trampoline. Similarly, landlords, homeowners with young drivers in the family, and those who coach children's sports face increased risks. An umbrella policy protects the insured and their household members from personal injury and property damage liability.

  • What can a Federal Way policyholder do ahead of time to minimize problems when filing a home insurance claim?

    A policyholder in Federal Way can take several steps ahead of time to avoid problems when filing a home insurance claim. Some of these include creating a written inventory of their belongings, storing their policy in a secure location, and photographing their homes and properties. They can also inquire with their insurance agents about the documents required to file a claim as well as the coverage and exclusions. If a policyholder owns valuable items like stamps, jewelry, or collectibles, they should have them appraised first.

  • Will homeowner's insurance cover the damage caused by a tree that fell on a home in Federal Way?

    Yes, most standard homeowner's insurance policies in Federal Way cover wind damage. Depending on the policy, coverage may include home repair or rehabilitation costs, tree removal, and living expenses if the home is deemed unfit for occupancy. If the trees and branches fall in a yard, however, the insurance will not cover the cleanup costs.

  • What should you do if you placed a credit freeze and your homeowner's insurance premiums in Federal Way increased?

    You can file a complaint with the Office of the Insurance Commissioner. The office can check if the increase in your Federal Way home's insurance premiums is lawful or not. It can be reached through the phone number 800-562-6900, Mondays through Fridays from 8 a.m. to 5 p.m. Be aware that under federal law 15 U.S.C. § 1681, insurance companies must notify you about the increase and include the reason why.

  • Can a homeowner avoid forced-placed home insurance in Federal Way?

    Yes, Federal Way homeowners must purchase their own home insurance and name their lender as a lien holder. Following that, they must provide a copy of the policy to their lender. They must also keep their payments current. Lenders typically impose forced-placed home insurance on mortgaged homes to protect their interests from property damage. It costs more than standard homeowners' insurance.

  • 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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