Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Washington

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Washington 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.

4424Reviewed

2658Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Spokane

Expertise.com Rating

Why choose this provider?

Accurate Insurance is a local agency that has been serving Washington since 1997. It offers cheap homeowners' insurance policies to individuals and families that cover the structures of their homes, their personal possessions, liability to others, and the cost of additional living expenses due to damage incurred from covered losses. Its team of professionals considers different factors, such as homes of old age, building codes, and excess liability, when helping clients choose plans. The agency's CEO, Kea Woodfill, serves on the Board of Directors for the South Hill Kiwanis.

Gig Harbor

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
5.0 (9)

Why choose this provider?

Michael J Clifford Insurance Services is the best agency serving Washington families, individuals, and businesses. It provides custom solutions to help homeowners protect their investments involving different factors, such as inflation guard, personal possessions, liability to others, replacement cost policies, and additional living expenses. Its team of local professionals represents multiple insurance carriers to provide policy options, including National General, Liberty Mutual, and American Modern. The agency also assists with reporting a claim, requesting a certificate, and changing addresses.

Puyallup

Expertise.com Rating

Review Sources

Google
5.0 (193)
Facebook
4.9 (47)
Yelp
5.0 (2)

Why choose this provider?

Ryan McCloskey is a Chartered Property Casualty Underwriter with State Farm serving individuals, families, and businesses in Washington. With more than a decade of experience, he helps homeowners evaluate their needs for the best insurance policies to protect themselves from financial losses caused by unexpected circumstances like theft, fire, and liability. The agent and his team also provide annuities, mutual funds, and banking solutions. They can cater to those who speak Spanish and Hmong. McCloskey served on the Board of Directors of the Graham Business Association.

Seattle

Expertise.com Rating

Review Sources

Google
4.8 (24)
Yelp
5.0 (20)
Facebook
4.8 (10)

Why choose this provider?

Spangler Insurance is the best independent local agency serving Washington individuals and businesses. It offers insurance policies to help homeowners protect their investments from circumstances like theft, vandalism, fire, or falling objects. The coverage options include liability, additional living expenses, protection for personal belongings, and scheduled personal property. The agency also provides insurance plans for boats, earthquakes, and off-road vehicles. Its owner, Tom D. Spangler, has served in different fields of the insurance industry including marketing, provider relations, and customer service.

West Richland

Expertise.com Rating

Review Sources

Google
4.9 (117)
Facebook
5.0 (21)
Yelp
4.0 (4)

Why choose this provider?

Susan Dahl is a State Farm insurance professional serving Washington and the surrounding areas. She offers various homeowners' insurance options which include personal property coverage that is available even for policyholders who are running errands, on vacation, or keeping their items in storage. The customizable solutions cover financial losses caused by unexpected events like theft, fire, and liability. She and her team also offer insurance coverage options for automobiles, businesses, and pets. Susan is known as the best insurance agent statewide.

Bellevue

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Envision Insurance Services, Inc., is the best independent local agency that has been serving Washington since 2004. It helps individuals in protecting their homes and personal belongings by presenting a range of homeowners' insurance coverage options. These include property or dwelling coverage, personal liability, protection for personal belongings, scheduled personal property, and additional living expenses. Its team of agents shops policies from multiple insurance carriers such as GeoVera, Premera Blue Cross, and First American Specialty.

Everett

Expertise.com Rating

Review Sources

Google
4.9 (141)
Facebook
4.7 (19)
Yelp
3.0 (2)

Why choose this provider?

Calrose Insurance is the best independent agency that has been serving Washington for more than a decade. It helps individuals and families protect their valuable assets through homeowners' insurance policies. Its team of independent agents guides clients in shopping for tailored insurance packages from multiple carriers. In addition to providing commercial and personal lines of insurance, the agency assists with policy changes and document requests. Its president, Don Layson, is a Certified Insurance Counselor who writes personal and multi-location commercial accounts.

Ferndale

Expertise.com Rating

Review Sources

Google
4.9 (104)
Facebook
4.3 (6)

Why choose this provider?

Billy Slesk is the best State Farm insurance agent that has been serving Washington individuals, families, and businesses since 1986. He assists homeowners in acquiring an insurance policy that covers financial losses caused by unexpected circumstances, like theft, fire, and liability. The customizable plans include personal property coverage that is available even for policyholders who are running errands, on vacation, or keeping their items in storage. Slesk's team has French-speaking members. They also present pet, health, and life insurance to clients.

Seattle

Expertise.com Rating

Review Sources

Facebook
4.4 (8)
Google
4.2 (5)
Yelp
5.0 (1)

Why choose this provider?

Outlook Insurance Group is an independently owned local agency serving Washington. It offers homeowners' insurance coverage options for individuals who own properties such as homes, condos, and apartments. Its team of professionals helps clients choose from a wide selection of coverage options, including protection for personal belongings, additional living expenses, and scheduled personal property. The agency represents multiple insurance carriers, such as Foremost, MetLife, and Liberty Mutual. It also assists clients with policy changes, certificate requests, and auto ID card orders.

Seattle

Expertise.com Rating

Review Sources

Google
4.9 (86)
Yelp
5.0 (28)
Facebook
5.0 (12)

Why choose this provider?

Northwest Insurance Group is the best independent local agency serving Washington individuals, families, and businesses. It provides homeowners' insurance policies that protect clients against financial losses from circumstances like fire, theft, and injury or property damage liability. Its team of professionals represents almost 30 insurance carriers to tailor packages that cover the home and the contents inside it, including special collections, home business occupancies, and works of art or jewelry. The agency also provides other personal lines of insurance for condos, pets, and identity theft.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Accurate Insurance
909 W Garland Ave, Spokane, WA 99205
Michael J Clifford Insurance Services
7610 Pioneer Way, Gig Harbor, WA 98335
Ryan McCloskey - State Farm Insurance Agent
5610 176th Street East, Puyallup, WA 98375
Spangler Insurance
431 15th Ave E, Seattle, WA 98112
Susan Dahl - State Farm Insurance Agent
4034 West Van Giesen Street, West Richland, WA 99353
Envision Insurance Services, Inc.
4066 155th Avenue Southeast, Bellevue, WA 98006
Calrose Insurance
2231 Broadway, Everett, WA 98201
Billy Slesk - State Farm Insurance Agent
5615 3rd Avenue, Ferndale, WA 98248
Outlook Insurance Group
3301 Burke Ave N Ste 210, Seattle, WA 98103
Northwest Insurance Group
5431B California Ave SW, Seattle, WA 98136

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 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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