Home insurance quotes
Get a homeowners insurance quote
Start a home insurance quote in about two minutes. Chett Phal's team follows up personally — by phone, text or email, whichever you choose — and walks you through coverage options side by side before you decide anything.
What you need for an accurate home insurance quote
Short answer: The address, year built, square footage, roof age, and the year of any major updates are enough to start. Your current declarations page makes it faster.
- Property address and whether you're buying, refinancing or switching
- Year built, square footage, number of stories, construction type
- Roof age and material; updates to plumbing, electrical and heating
- Safety features: monitored alarm, deadbolts, sprinklers, water-leak sensors
- Claims in the last five years
- Your current policy's declarations page, if you have one — it lets us compare like for like
What happens after you request a quote
Short answer: You get an immediate confirmation, a person from Chett's team reaches out, and you receive options with coverages explained — usually within the same business day.
- 1Confirmation — you'll see it on screen right away.
- 2A real person follows up at the time you choose: now, morning, afternoon or evening.
- 3Options, explained — dwelling, belongings, liability and deductibles side by side, with flood and earthquake addressed rather than ignored.
- 4You decide. No pressure, and no obligation.
Buying a home? See questions to ask before closing in Federal Way.
How to compare home insurance quotes fairly
Short answer: Compare the dwelling limit, replacement-cost terms, deductible, liability limit and endorsements — two quotes with different limits aren't comparable on price.
| Check | Why it matters |
|---|---|
| Dwelling limit | Too low and you can't rebuild; the price looks better than it is |
| Replacement cost vs. actual cash value | ACV on roofs or belongings can cut a payout dramatically |
| Deductible | A $2,500 deductible will always quote lower than $1,000 |
| Liability limit | $300,000 vs. $500,000 changes the price and your protection |
| Water backup, earthquake, scheduled jewelry | Often missing from the cheapest quote |
Frequently asked questions
How long does a home insurance quote take?
About two minutes online to request it, then a short conversation. If you have your current declarations page, it goes faster.
Will getting a quote affect my credit?
Insurers in Washington may use credit-based insurance information in some circumstances; a quote is not a loan application. Ask us how it applies to your quote.
Can I get a quote before I've found a house?
Yes — a ballpark helps you budget. We'll firm it up once you have an address and inspection details.
Sources
Explanations on this page are general. Your policy documents control what is and isn't covered.
Keep exploring
- Home insuranceWhat Washington homeowners insurance covers — dwelling, belongings, liability, living costs — and what it doesn't. Get a home insurance quote from a Federal Way agent.
- Home insurance costWashington homeowners insurance cost depends on rebuild cost, location, roof, claims and deductible. See what moves the price and how to lower it safely.
- Home + auto bundleBundle home and auto insurance with a local Federal Way agent. When bundling saves money, when it doesn't, and how home + auto + umbrella work together.
- Get a quote
- Buying a home in Federal Way: questions to ask before closingInsurance questions to ask before closing on a Federal Way home: roof and systems, bluffs and slopes, flood maps, earthquake, HOA rules and lender deadlines.
Ready when you are
Get a real quote from a real person.
Two minutes online. A person from the team follows up — typically the same business day — and walks you through options side by side.