FAQs

Homeowner insurance rates in Washington are increasing, even for those with no reported claims, due to a combination of factors. Here are two of the major reasons.

1. Rising Claim Costs and Inflation: The cost of repairing or rebuilding homes has surged due to inflation, higher labor costs, and expensive building materials. According to the Washington State Standard, homeowner claim costs in Washington nearly doubled from $941 million in 2018 to $2 billion in 2023. This increase in claim severity forces insurers to raise premiums across the board to cover future payouts, even for policyholders without claims.

2. Wildfires and Climate-Related Risks: Washington’s increasing exposure to wildfires, particularly in areas like Spokane where fires destroyed over 350 homes in 2023, has driven up claim costs. Insurers adjust rates to account for heightened risks from climate-related disasters, such as wildfires, floods, and storms, which are becoming more frequent and severe. These adjustments affect all policyholders in the state, regardless of individual claim history, as insurers spread the risk.

Our agents are experts in customizing your policies to make your premiums manageable through all available discounts while ensuring you have the protections you need.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

Yes, we offer insurance options specifically designed for home-based businesses.

Your auto insurance policy may cover:

• damages to your vehicle

• liability for bodily injury or property damage, and

• other optional coverages such as roadside assistance

Factors that may affect your auto insurance premium include your age, driving record, location, type of vehicle, coverage options and annual mileage.

No. You do not need a new home appraisal during the renewal or coverage change process.

When setting up your policy, speak with your agent about any valuables you are concerned with. We will review your policy and recommend changes to ensure your valuables have proper coverage.

If you experience a loss, the first step is to contact us immediately — we’ll help guide you through the claims process and work with the insurance carrier on your behalf. You can reach our office by phone, text, or email, and we’ll be there to support you every step of the way.

The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our life insurance specialists can help you determine the appropriate amount of coverage.

As a local, Edmonds-based agency, we take pride in personalized service and thoughtful guidance. We take the time to understand your needs and help you find the right coverage at competitive rates, backed by trusted insurance carriers. Our team builds long-lasting relationships and is always available to answer questions or help with claims.