Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Spokane

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 Spokane 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.

132Reviewed

86Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

223 S Washington Ave, Newport, WA 99156

Expertise.com Rating

Review Sources

Google
4.5 (23)

Why choose this provider?

Jason Earl Insurance Agency LLC is an independent agency based in Newport that serves the states of Washington, Idaho, and Oregon. The agency represents many carriers, combing the homeowner insurance policies of each to find the one that best fits their client's circumstances. Protection can include property coverage for repairs to the building's structure, personal property to cover its theft or damage, and liability in case of a claim by someone injured on the property.

  • Renter's Insurance
  • Condos
  • Flood

909 W Garland Ave, Spokane, WA 99205
WebsiteLicense: 130245

Expertise.com Rating

Review Sources

Google
4.7 (69)
Facebook
4.8 (21)

Why choose this provider?

Accurate Insurance is a family-owned agency that has been serving clients in Spokane since 1977. It offers homeowners' insurance that covers the structure of homes, personal belongings, and additional living expenses. The agency also provides insurance products for automobiles, business owners, and renters. Its staff has more than 50 years of combined insurance experience. Owner and principal Kea Woodfill leads the agency, along with co-owners Kylee Fisher and Christina McDaniel, who are committed to providing honest and accurate coverage through personalized customer service.

  • Renter's Insurance
  • Condos

2525 E 29th Avenue Suite 1A, Spokane, WA 99223
WebsiteLicense: 861054

Expertise.com Rating

Review Sources

Google
4.3 (49)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Chris Cutler is an insurance agent who has been working at State Farm since 2012. He caters to individuals, families, and businesses in Spokane and the surrounding communities. He offers homeowners' insurance policies, which cover things like home repair and replacement costs and personal properties. These include collectibles, jewelry, and pictures. Also included in his line of products are auto, health, liability umbrella, life, and pet insurance products. Cutler holds a bachelor's degree in Marketing.

  • Renter's Insurance
  • Homeowners

3021 South Regal Street, Spokane, WA 99223

Expertise.com Rating

Review Sources

Google
4.8 (66)
Facebook
5.0 (16)

Why choose this provider?

Kraft Insurance is a family-owned and operated insurance agency that has been serving the residents of Spokane since 1981. As an independent agency, the company represents a variety of insurance providers in order to give clients a range of options for their homeowners insurance packages. The company offers packages that cover primary residences, apartments and condos, and vacation homes. It also sells policies for clients' cars, boats, businesses, and health care.

  • Multiple Policy Types
  • Personal Property Insurance

12319 East Broadway Avenue, Spokane Valley, WA 99216

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (7)

Why choose this provider?

Inland Northwest Insurance is a locally owned and operated independent insurance agency that has been in operation near Spokane for over 25 years. The company offers standard homeowners insurance packages that protect the home structure, the client's belongings, and any visitors in the home who were injured on the property. It also covers additional living expenses in case a disaster displaces the policyholder. Additionally, the agency sells policies for businesses, farms, and cars.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

7816 E Broadway Ave, Spokane Valley, WA 99212

Expertise.com Rating

Review Sources

Google
4.8 (69)
Facebook
5.0 (16)

Why choose this provider?

Associated Agents Group is an insurance agency in Spokane, Washington. For more than 19 years, it has provided insurance coverage, including home, auto, boat, umbrella, life, business owners, and commercial liability, to clients in Spokane and surrounding areas. As an independent insurance company, it represents other reputable carriers and helps clients in selecting plans that fit their budgets. It also assists in filing claims, getting car repair quotes, and working with the insurance company of the other party.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

5727 North Division Street, Spokane, WA 99208

Expertise.com Rating

Review Sources

Google
4.7 (299)
Facebook
4.7 (128)
Yelp
4.0 (15)

Why choose this provider?

North Town Insurance is an independent insurance agency serving the residents of Spokane and the surrounding areas. The company offers homeowners insurance packages that reimburse clients for jewelry and art that was damaged or stolen, cover repairs for the home's structure, and pay for the medical expenses of visitors who were injured while on the property. It also sells coverage for secondary structures, such as sheds and detached garages, on the client's land.

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

38 E Wellesley Ave, Spokane, WA 99207

Expertise.com Rating

Review Sources

Google
4.5 (48)
Facebook
5.0 (6)
Yelp
1.0 (1)

Why choose this provider?

Based in Spokane, Washington, Save More Insurance is an independent agency serving the metro area, with an additional office in Moses Lake. The agency offers comprehensive home insurance coverage for residents in Washinton State and Idaho. It works with insurance carriers like Arrowhead and Foremost to find the right policies for homeowners and talks them through the details so they understand their coverage. This can include protection for structural damage, burglary, fire, and flood, as well as personal liability.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

1204 E Sprague Ave, Spokane, WA 99202

Expertise.com Rating

Review Sources

Google
4.5 (18)
Facebook
5.0 (11)

Why choose this provider?

Based in Spokane, Washington, The Insurance Guys has offered homeowners insurance services to residents of Idaho, Montana, Oregon, and Washington since 1977. Its homeowners insurance policies cover all types of dwellings, including condos, houses, and apartments. Customers can select specific losses-only homeowners policies or more comprehensive policies that cover losses such as fire, smoke, falling objects, and personal property theft. The Insurance Guys also provides life, business, and renters insurance policies.

  • Personal Property Insurance
  • Homeowners

310 S Cedar St, Spokane, WA 99201

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Since 1967, Shea Insurance agency has helped customers in Spokane and Rockford, Washington, understand which home insurance coverage options are right for them. Homeowners, renters, and condominium insurance policies protect against liability and loss or damages to the home, stand-alone structures, and personal belongings, including jewelry, fine art, and collectibles. Other policies provide auto, boat, motorcycle, and umbrella coverage. The firm also offers various insurance plans for businesses, such as general liability, commercial property, and workers' compensation.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

312 W Nora Ave, Spokane, WA 99205

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Northwest Insurance Services in Spokane, Washington, is an independent insurance agency that offers home insurance. Established in 2010, it provides homeowners with liability insurance plus coverage for their structure and personal belongings, offering discounts for those with security systems, fire-resistant construction, and multiple policies. Northwest Insurance Services also offers life, medical, and auto insurance as well as industry-specific commercial insurance products for contractors, tow truck drivers, and the trucking industry.

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

1320 N Atlantic St, Spokane, WA 99201

Expertise.com Rating

Review Sources

Google
4.9 (11)
Facebook
5.0 (3)
Yelp
1.0 (1)

Why choose this provider?

GVI Insurance has over four decades of experience in the insurance industry. It provides homeowners and renters insurance from offices in Spokane, Washington, and Osburn, Idaho. Experienced agents help clients choose renters insurance to protect possessions and cover damage from fire, vandalism, or structural issues. Liability insurance from several carriers is available for both homeowners and renters to protect clients from lawsuits. A variety of home insurance policies provide protection for possessions, the home itself, and the occupants and guests.

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

601 W 1st Avenue, Spokane, WA 99201
WebsiteLicense: 1014823

Expertise.com Rating

Review Sources

Google
5.0 (92)
Facebook
5.0 (5)

Why choose this provider?

Kingdom Builders Group Insurance & Financial is an independent agency serving the Spokane metro. It assists families and individuals who want to acquire homeowners' insurance. The company offers personal liability and property, dwelling, other structures, and medical expense coverages to protect policyholders and their investment properties from events like theft, vandalism, and natural disasters. Kingdom Builders Group Insurance & Financial is a faith-based Christian company that serves the community by spreading the gospel. It also supports various charities and organizations like Bite 2 Go and YoungLife.

  • Condos
  • Landlords

616 E 3rd Ave, Spokane, WA 99202

Expertise.com Rating

Review Sources

Google
4.9 (451)
Facebook
5.0 (9)
Yelp
2.5 (6)

Why choose this provider?

All Lines Insurance, an independent insurance agency based in Spokane, Washington, serves the needs of residents throughout Washington and North Idaho. Representing over two dozen insurance carriers, its agents work with customers to find the right mix of fair pricing, coverage, and quality service from homeowners insurance companies for each client. The agency offers homeowners and renters insurance for private houses, apartments, and condos with policies that provide financial protection against damages, fire, theft, and vandalism.

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

6519 N Maple St Ste B, Spokane, WA 99208

Expertise.com Rating

Review Sources

Facebook
4.6 (89)
Google
4.7 (3)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1929, Bell-Anderson Agency is a locally owned and operated insurance brokerage in Spokane, Washington, with over six offices across the state. It provides residents with home insurance, working with companies such as Liberty Mutual and Western National to protect homeowners, renters, and landlords. The company offers discounted rates and policy benefits to clients who combine home and auto insurance. Bell-Anderson also helps clients with life, farm, and wedding insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

9425 N. Nevada St. Ste 210, Spokane, WA 99218
WebsiteLicense: 1044635

Expertise.com Rating

Review Sources

Google
4.9 (99)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Legacy Insurance is an independent agency serving individuals and businesses in the Spokane area. The founders of the company are Heather Carrell and Peter Jalbert. The pair have more than 35 years of experience in the insurance industry. Legacy provides clients with a variety of property insurance options, such as home, condo, mobile home, and manufactured home insurance. Because it works with a number of insurance companies, Legacy can also offer options for personal umbrella, flood, and vehicle insurance policies.

  • Renter's Insurance
  • Condos
  • Flood

59 E Queen Ave Suite 112, Spokane, WA 99207
WebsiteLicense: 781145

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (32)

Why choose this provider?

Alpine Insurance Inc. is a Spokane-based company that has been protecting individuals and businesses from unexpected losses since 2011. With access to more than 25 insurance carriers, its team writes a broad range of policies, including home insurance. The risk management professionals furnish protection plans for owners of manufactured homes, secondary homes, vacant dwelling places, and rental properties. Coverages for clients who reside in condominiums and townhomes are also available. Liberty Mutual, Nationwide, Mutual of Enumclaw, and Progressive are some of the insurance providers the agency works with.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

621 W Mallon Ave, Suite 601-A, Spokane, WA 99201
WebsiteLicense: 1111648

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (7)

Why choose this provider?

Lilac Insurance is an independent agency that offers products and services in the Spokane metro. It provides a selection of personal insurance plans, including homeowners' policies. The company helps clients obtain content, dwelling, and additional living expense coverages to protect them from financial losses caused by property damages or theft. Its specialists also assist clients in acquiring life, umbrella, auto, motorcycle, and renters' insurance. Lilac Insurance represents various carriers, such as Nationwide, Progressive, Safeco, and Travelers.

  • Renter's Insurance
  • Multiple Carriers
  • Homeowners

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.
  • Does standard insurance for homeowners in Spokane provide coverage for landslide damage?

    No, standard homeowner's insurance does not cover damage caused by ground movement, such as landslides, earthquakes, rain runoff, and flooding. Spokane homeowners must purchase additional landslide insurance, which can be purchased as a policy rider for content or structure coverage. Some companies may not offer content coverage because it only insures the contents of the home. Structure damage is sometimes referred to as a Difference in Conditions policy, and it covers the home as well as any unattached structures on the property. It is available in the surplus line market, which is dominated by non-traditional insurers.

  • How are homeowners' insurance rates in Spokane set by insurance companies?

    There are several factors that influence homeowners' insurance rates. One of these is the home location, where rates would be determined by local risks such as crime and wind damage. Premiums are also affected by the type of construction and the amount of coverage. Furthermore, a policyholder in Spokane who has previously filed a claim may be charged more by their insurance carrier.

  • Is it expensive to purchase homeowner's insurance in Spokane?

    In Spokane, the average cost of homeowners insurance is $1,176 per year, which is 33% less than the national average but roughly the same as the statewide average. This is applicable for a $300,000 home insurance policy. Zip codes 99258, 99223, 99202, and 99207 in Spokane have the lowest rates, which are just slightly lower than the state average. However, 99204 is the zip code with the highest cost, which is 6% higher than the national average.

  • What are some ways a Spokane resident can save money on homeowners insurance?

    Increasing the deductible on a homeowner's insurance policy, which is the amount the policyholder must pay when filing a claim, can lower monthly premiums. A Spokane home equipped with burglar alarms, smoke detectors, and deadbolt locks can save homeowners up to 20% on insurance premiums. Insurers also provide less well-known discounts to nonsmokers who have recently purchased a home and work in professions such as teaching, firefighting, or engineering. Policyholders who combine their homeowners' and auto insurance policies can save money as well.

  • Does the flood insurance of a homeowner in Spokane automatically renew each year?

    No. It must be renewed each year. A few weeks before the expiry date, Spokane homeowners must check for a renewal reminder from the National Flood Insurance Program or their insurance agents. They can also review the details of their policy. Homeowners in flood-prone areas are required to obtain flood insurance. For more information, contact the NFIP at 877-336-2627 or send an email to FEMA-FMIX@fema.dhs.gov.

  • 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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