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Best Homeowners Insurance Agencies in Spokane

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Accurate Insurance logo
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License Verified:

License: 130245

Washington State office of the Insurance Commissioner

Accurate Insurance

909 W Garland Ave, Spokane, WA 99205
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  • Renter's Insurance
  • Condos

Business Description

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.

License Verified:

License: 130245

Washington State office of the Insurance Commissioner

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 (63)
Facebook
5.0 / 5 (10)

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
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All Lines Insurance logo
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All Lines Insurance

616 E 3rd Ave, Spokane, WA 99202
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

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.

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 (451)
Facebook
5.0 / 5 (9)
Yelp
2.5 / 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.
5.0
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Alpine Insurance Inc. logo
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License Verified:

License: 781145

Washington State office of the Insurance Commissioner

Alpine Insurance Inc.

59 E Queen Ave Suite 112, Spokane, WA 99207
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  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

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.

License Verified:

License: 781145

Washington State office of the Insurance Commissioner

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 (27)
Facebook
5.0 / 5 (10)

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
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Associated Agents Group logo
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Associated Agents Group

7816 E Broadway Ave, Spokane Valley, WA 99212
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

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.

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 (69)
Facebook
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
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Bell-Anderson Insurance logo
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Bell-Anderson Insurance

6519 N Maple St Ste B, Spokane, WA 99208
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

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.

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.
4.6
Facebook
4.6 / 5 (89)
Google
4.7 / 5 (3)
Yelp
5.0 / 5 (1)

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
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Chris Cutler logo
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License Verified:

License: 861054

Washington State office of the Insurance Commissioner

Chris Cutler

2525 E 29th Avenue Suite 1A, Spokane, WA 99223
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  • Renter's Insurance
  • Homeowners

Business Description

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.

License Verified:

License: 861054

Washington State office of the Insurance Commissioner

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.
4.4
Google
4.4 / 5 (46)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

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
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GVI Insurance logo
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GVI Insurance

1320 N Atlantic St, Spokane, WA 99201
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

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.

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 (10)

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
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Detail
Inland Northwest Insurance logo
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Inland Northwest Insurance

12319 East Broadway Avenue, Spokane Valley, WA 99216
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  • Renter's Insurance
  • Personal Property Insurance
  • Flood
  • Earthquake

Business Description

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.

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 (31)
Facebook
5.0 / 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
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Detail
Jason Earl Insurance Agency LLC logo
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Jason Earl Insurance Agency LLC

223 S Washington Ave, Newport, WA 99156
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  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

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.

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
Google
4.5 / 5 (23)

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
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Detail
Kingdom Builders Group Insurance & Financial logo
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License Verified:

License: 1014823

Washington State office of the Insurance Commissioner

Kingdom Builders Group Insurance & Financial

601 W 1st Avenue, Spokane, WA 99201
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  • Condos
  • Landlords

Business Description

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.

License Verified:

License: 1014823

Washington State office of the Insurance Commissioner

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 (91)
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
Kraft Insurance logo
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Kraft Insurance

3021 South Regal Street, Spokane, WA 99223
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  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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.

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
Facebook
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
Legacy Insurance logo
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License Verified:

License: 1044635

Washington State office of the Insurance Commissioner

Legacy Insurance

9425 N. Nevada St. Ste 210, Spokane, WA 99218
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  • Renter's Insurance
  • Condos
  • Flood
  • Homeowners

Business Description

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.

License Verified:

License: 1044635

Washington State office of the Insurance Commissioner

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 (58)
Facebook
5.0 / 5 (8)
Lilac Insurance logo
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License Verified:

License: 1111648

Washington State office of the Insurance Commissioner

Lilac Insurance

621 W Mallon Ave, Suite 601-A, Spokane, WA 99201
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  • Renter's Insurance
  • Multiple Carriers
  • Homeowners

Business Description

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.

License Verified:

License: 1111648

Washington State office of the Insurance Commissioner

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 (48)
Facebook
5.0 / 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
North Town Insurance logo
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North Town Insurance

5727 North Division Street, Spokane, WA 99208
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Condos

Business Description

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.

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
4.7 / 5 (299)
Facebook
4.7 / 5 (128)
Yelp
4.0 / 5 (15)

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
Northwest Insurance Services logo
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Northwest Insurance Services

312 W Nora Ave, Spokane, WA 99205
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners
  • Landlords

Business Description

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.

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 (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
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Detail
Save More Insurance logo
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Save More Insurance

38 E Wellesley Ave, Spokane, WA 99207
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  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

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.

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
Google
4.5 / 5 (46)
Facebook
5.0 / 5 (6)
Yelp
1.0 / 5 (1)

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
Shea Insurance Agency logo
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Shea Insurance Agency

310 S Cedar St, Spokane, WA 99201
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  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

Business Description

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.

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 (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
The Insurance Guys logo
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The Insurance Guys

1204 E Sprague Ave, Spokane, WA 99202
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  • Personal Property Insurance
  • Homeowners

Business Description

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.

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
4.5 / 5 (18)
Facebook
5.0 / 5 (11)

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
Back to Providers

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.

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.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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