The top-rated condo insurance agent in Seattle, Washington is PEMCO Mutual Insurance Co., rated 4.2 stars across 2,492 reviews. Other highly rated options include Karrie Dubose - State Farm Insurance Agent, Youkie Chambers - State Farm Insurance Agent, Brian Chambers - State Farm Insurance Agent. This directory lists 26 condo insurance agents serving Seattle.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | PEMCO Mutual Insurance Co. | 1300 Dexter Ave N | (800) 467-3626 |
| 2 | Karrie Dubose - State Farm Insurance Agent | 1818 Westlake Ave N Ste 315 | (206) 971-5400 |
| 3 | Youkie Chambers - State Farm Insurance Agent | 81 Vine St APT 104 | (206) 441-5630 |
| 4 | Brian Chambers - State Farm Insurance Agent | 1500 W Dravus St | (206) 687-7674 |
| 5 | Vern Fonk Insurance | 10237 16th Ave SW | (206) 408-5084 |
| 6 | Farmers Insurance - Chris Elliott Insurance Agency | 1200 Westlake Ave N #502 | (206) 838-7000 |
| 7 | Kent Christianson - State Farm Insurance Agent | 1705 N 45th St Ste A | (206) 632-8000 |
| 8 | Northwest Insurance Group | 5431B California Ave SW | (206) 932-2500 |
| 9 | Farmers Insurance - James Nguyen Agency | 3315 Rainier Ave S D | (206) 329-2679 |
| 10 | Magnolia Insurance Agency, Inc. | 3424 W McGraw St | (206) 284-4886 |
PEMCO Mutual Insurance Co. serves the Seattle, Washington metro area as a provider of condo insurance. The company offers policies that cover interior unit structures and personal property for condominium owners, addressing gaps left by master condo policies. Liability protection for incidents within the unit is also included in these plans. PEMCO helps unit owners assess their coverage needs to ensure adequate protection for the property. This company specifically handles personal liability insurance and loss assessment coverage for condo associations.
Karrie Dubose - State Farm Insurance Agent in Seattle, WA provides a full range of condo insurance services, including custom policy evaluations for individual unit owners. Its service plans focus on assessing personal liability coverage and protecting interior structures, appliances, and personal property against common urban risks. Routine policy reviews help adjust deductibles and coverages as building association policies or personal needs change. The agency services single-family homes, apartments, retail locations, and restaurants within the region.
Youkie Chambers - State Farm Insurance Agent in Seattle serves homeowners, condominium associations, and property managers seeking dedicated condo insurance solutions. The agency provides customized policies addressing common area liability, individual unit coverage, and loss assessment protection typical of Pacific Northwest multi-unit buildings. Clients receive personalized guidance to navigate Washington-specific condo insurance requirements. Local representatives understand the unique risks of Seattle’s urban and waterfront condo communities, including theft, water damage, and natural disasters. The agency also extends its expertise to neighboring communities throughout the broader King County metro area, including Bellevue.
Based in Seattle, Brian Chambers’s State Farm Insurance Agency serves the greater Seattle area along with its surrounding communities. The agency handles a full range of condo insurance needs, from protecting individual units against fire and theft to covering personal liability within the building. For each client, the general approach is to first review the specific condo association’s master policy, then tailor a personal policy to fill any coverage gaps, ensuring a complete, cohesive protection plan for the unit owner’s property.
Vern Fonk Insurance serves the Seattle area and surrounding communities, handling condo insurance for local homeowners. It addresses the specific needs of condo owners, including coverage for interior structures, personal property, and liability protection within association policies. The company works to evaluate individual building requirements and standard master policy gaps to align appropriate coverage limits. For a typical job, it reviews the client’s existing condo association documents and personal assets to recommend tailored policy options.
Farmers Insurance - Chris Elliott Insurance Agency in Seattle, WA offers both one-time policy purchases and ongoing scheduled service for condo insurance needs. Coverage is tailored to protect condominium owners from common risks within the local market. Policies address personal liability, structural damage, and loss of personal property. Service runs on an as-needed basis, allowing clients to request assistance when renewing a policy or adjusting coverage after a life change such as a renovation or move.
Specializing in condo insurance, Kent Christianson’s agency in Seattle helps unit owners protect their personal property and interior improvements. It also offers general insurance services, including auto, renters, and life policies, to meet broader client needs. Throughout the year, the agency advises on how to adjust coverage after a building’s master policy is updated or during seasonal maintenance periods, such as before fall storms arrive.
As the rainy season settles over Seattle, condo owners often discover hidden moisture issues that threaten their building and belongings. Northwest Insurance Group specializes in the specific coverage needs of condo living in this city, helping residents protect their individual units from water damage, liability, and shared-wall concerns. They guide each client through the distinction between personal policies and the master association’s insurance. An initial property assessment is always conducted before any policy recommendation is made, identifying your unit's unique exposures during a thorough walkthrough.
Farmers Insurance - James Nguyen Agency in Seattle, WA works with clients to secure coverage for their personal property and liability within condominium units. It specializes in adding endorsements that extend protection to shared building elements and common areas typical in condo associations. The agency addresses interior risks like water damage from appliances or unit fires. Its services extend to commercial sectors, including condominiums with integrated offices, warehouses, and food service spaces that need tailored policies.
What Does a a Condo Insurance Agent in Seattle Cost?
Condo insurance in Washington typically costs between 200 and 500 dollars per year for a standard HO-6 policy. Factors like your units location in Seattle, the age of the building, and your coverage limits affect the price. Adding earthquake or flood coverage will increase the premium. This is general information and not insurance advice.
About condo insurance agents in Seattle
A condo insurance agent in Seattle helps you find coverage for your unit and personal belongings. Washington law requires condo associations to have a master policy, but individual owners need their own HO-6 policy for interior fixtures and liability. An agent can explain how these policies work together and help you meet your mortgage lenders requirements.
Frequently Asked Questions
What does a condo insurance agent do for Seattle residents?
A condo insurance agent reviews your associations master policy and helps you choose an HO-6 policy. They explain what the master policy covers and what you need for your unit. They also help you add coverage for upgrades or high-value items.
Is condo insurance required by Washington law?
Washington state law does not require individual condo owners to carry insurance. However your mortgage lender will likely require an HO-6 policy. Your condo associations bylaws may also require you to have liability coverage.
How do I know what coverage limits I need in Seattle?
Ask your agent to review your associations master policy documents. The master policy usually covers the building structure and common areas. Your HO-6 policy should cover your interior walls, floors, cabinets, and personal property up to the replacement cost.