All coverage
Insurance for the whole Washington household
Protect the home
Homeowners insurance
Home insurance
Homeowners insurance pays to repair or rebuild your house, replace your belongings and cover your legal liability when something sudden and accidental goes wrong — a fire, a windstorm, a burst pipe, a theft, or a guest who gets hurt. In Washington, the details that matter most are how much it would cost to rebuild, which water and earth-movement losses are excluded, and how your deductible works.
Home insurance quotes
Home insurance quotes
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.
Cost & rates
Home insurance cost
There is no honest single number. A Washington homeowners premium is calculated from what it would cost to rebuild your house, where it sits, how old the roof and systems are, your claims history, your deductible and the coverages you add. Two neighbors on the same street can pay very different amounts.
Condo insurance
Condo insurance (HO-6)
Condo insurance, known as an HO-6 policy, covers the parts of a condominium the association's master policy doesn't: your interior finishes and improvements, your belongings, your personal liability, and your share of a special assessment after a covered loss to common property.
Protect the household
Home + auto
Home + auto bundle
Bundling means insuring your home and your cars with the same company, which usually earns a multi-policy discount and puts one agent in charge of the whole household. It usually saves money — but not always, so we price it both ways and show you.
Personal umbrella policy
Umbrella insurance
Umbrella insurance — a personal umbrella policy — adds a layer of liability coverage, usually $1 million or more, above your home and auto policies. If you're sued after a serious car accident or an injury at your home and the damages exceed your underlying limits, the umbrella pays the rest, up to its own limit.
Car insurance
Auto insurance
Washington requires at least $25,000 of bodily-injury liability per person, $50,000 per accident and $10,000 of property-damage liability. Those minimums were set decades ago and are easily exceeded by one modern crash, so most drivers who own a home carry far more — plus underinsured motorist and personal injury protection.
Motorcycle
Motorcycle insurance
Washington's liability requirements apply to motorcycles just as they do to cars. Because riders are more exposed in a crash, underinsured motorist coverage and medical coverage matter even more on a bike than in a car.
Boat
Boat insurance
A homeowners policy typically provides little or no coverage for a boat beyond very small craft, and usually no liability on the water. Boat insurance covers the hull and motor, your liability to others, and often the trailer, towing and personal effects aboard.
Property & more
Landlord insurance
Landlord insurance
Landlord insurance — often called a dwelling or DP-3 policy — covers a home you rent to tenants: the building, the rent you lose while it's being repaired after a covered loss, and your liability as the owner. A homeowners policy is written for a home you live in and usually won't respond the same way once tenants move in.
Rental property
Rental property situations
Most rental-property insurance questions aren't about a classic rental — they're about a transition. You moved and kept the old house. You built an ADU. The house is empty between tenants. Each of those changes which policy fits, and getting it wrong is how claims get denied.
Renters insurance
Renters insurance
Renters insurance covers your belongings against theft, fire and other covered losses — at home and away — plus your personal liability and extra living costs if your apartment becomes unlivable. Your landlord's insurance covers the building, not your things.
Business insurance
Business insurance
Small business insurance usually starts with general liability and business property coverage, often packaged together as a business owner's policy, and adds commercial auto, professional liability or other coverages as the business needs them.
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.