Straight answers about home, earthquake, wildfire, and flood coverage in Washington — from a licensed independent agent.
Why is home insurance generally cheaper in Washington than Florida?
Washington does not face the same hurricane and widespread flood exposure that drives Florida pricing, so base homeowners premiums tend to be lower. That said, Washington has its own risks — windstorm, wildfire, and earthquake — and the right endorsements matter.
Does my homeowners policy cover earthquakes?
Almost never by default. Earthquake coverage is a separate endorsement or policy in Washington. Given the seismic risk along the I-5 corridor and Puget Sound, it is worth pricing — I can quote it so you can decide.
Am I covered for wildfire?
Standard homeowners policies generally cover fire, including wildfire, but you should confirm your dwelling limit reflects current rebuilding costs. In higher-risk areas, carrier availability and requirements vary, and I'll help you find coverage that fits.
Do I need flood insurance in Washington?
Flood is excluded from homeowners policies everywhere, including Washington. If you're near rivers, the coast, or low-lying areas, a separate NFIP or private flood policy is worth considering even outside mapped high-risk zones.
How does workers' compensation work for my Washington business?
Washington is unique: most workers' compensation is provided through the state fund administered by Labor & Industries (L&I), not private insurers. I can help you understand your L&I obligations and place the other commercial coverages your business needs.
Do you serve my town, even a small one?
Yes. I serve clients statewide across Washington by phone, email, and video — from Seattle and Spokane to small communities like Blaine, Birch Bay, and beyond. You don't need to visit an office.