The top-rated flood insurance agent in Kirkland, Washington is Katie Kelly - State Farm Insurance Agent, rated 4.9 stars across 382 reviews. Other highly rated options include Vern Fonk Insurance, Absolute Insurance Solutions, CHOICE Insurance. This directory lists 18 flood insurance agents serving Kirkland.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Katie Kelly - State Farm Insurance Agent | 951 6th St South | (425) 827-2138 |
| 2 | Vern Fonk Insurance | 12535 Totem Lake Blvd NE | (425) 880-1004 |
| 3 | Absolute Insurance Solutions | 733 7th Ave #204 | (425) 610-6909 |
| 4 | CHOICE Insurance | 1715 Market St # 100 | (425) 739-6565 |
| 5 | SegurosNW (Mario Reyes) | 12006 98th Ave NE Ste 102 | (425) 276-8232 |
| 6 | Farmers Insurance - Joe Hughes | 903 5th Ave STE 105 | (425) 827-8066 |
| 7 | Best insurance Kirkland | 3951 Lake Washington Blvd NE | (253) 518-3812 |
| 8 | Kirkland insurance co | 5710 Lake Washington Blvd NE | (253) 242-9167 |
| 9 | The Schultz Agency | 12014 NE 132nd Ct | (206) 949-6002 |
| 10 | Lee Insurance Services | 11410 98th Ave NE | (425) 576-0464 |
Katie Kelly's State Farm Insurance Agency serves Kirkland and the broader King County area, specializing in flood insurance policies tailored to local properties. The agency assists homeowners, renters, and business owners in understanding flood risk in the Pacific Northwest's waterways. Their team explains National Flood Insurance Program options and coverage details. For Kirkland residents, the agency handles both building property coverage and personal contents protection for flood damage.
Vern Fonk Insurance provides flood insurance services to Kirkland, Washington, and the surrounding communities along Lake Washington and the Eastside region. The agency handles standard flood insurance policies for residential and commercial properties located within Special Flood Hazard Areas. It also assesses coverage for properties in moderate- to low-risk zones that may still benefit from protection. To complete a typical job, the company reviews the property’s Federal Emergency Management Agency flood zone designation and helps the client select an appropriate National Flood Insurance Program policy.
Absolute Insurance Solutions provides flood insurance policy guidance and claims assistance for properties in the Kirkland area. It offers consultation to evaluate flood zone risks and helps clients select appropriate coverage. The agency also provides ongoing policy reviews and documentation support for renewal and maintenance. Its services cover single-family homes, apartments, retail spaces, and restaurants, ensuring various property types have access to necessary flood protection.
CHOICE Insurance in Kirkland serves homeowners, businesses, and property managers seeking flood insurance protections. The agency guides clients through the complexities of flood policies and federal program requirements. It evaluates property-specific flood risks as well as coverage options for contents and structures. Flood insurance remains vital for many properties near Lake Washington and local waterways. CHOICE Insurance regularly assists clients in nearby communities such as Redmond and Bellevue.
SegurosNW, operated by Mario Reyes, serves Kirkland and the surrounding communities along the eastern shore of Lake Washington. It handles federal flood insurance policies for residential and commercial properties located in designated Special Flood Hazard Areas. The company focuses on explaining National Flood Insurance Program requirements to property owners. To handle a typical job, Mario Reyes reviews a property’s flood zone designation and coverage limits with the client before processing the application.
For residential or commercial properties, a flood insurance policy is a separate consideration from standard homeowners or renters coverage, as most standard plans exclude flood damage. At Farmers Insurance - Joe Hughes in Kirkland, WA, clients can discuss options for flood coverage that protect structures and contents from rising water. Agents in this region evaluate local flood zone risks and policy limits. The service is available on a per-need basis, arranged as a scheduled consultation when acquiring a new policy or reviewing renewal terms.
Best Insurance Kirkland provides specialized flood insurance services to property owners in the Kirkland, Washington area, working to secure policies that protect homes and businesses from water damage. The agency assists clients in understanding their flood risk, navigating federal insurance requirements, and selecting appropriate coverage limits. As a local agent, it focuses on addressing the increased flood potential during the region’s heavy winter rains and rapid spring snowmelt runoff.
With heavy seasonal rains and the constant proximity of Lake Washington creating a recurring flood risk in Kirkland, homeowners need reliable protection. Kirkland insurance co provides specialized flood insurance policies designed to safeguard properties from water damage and potential financial loss. The agency helps residents understand federal flood maps and coverage requirements. An in-person inspection of your home’s basement, foundation, and drainage systems is scheduled to start the policy development process.
The Schultz Agency provides local flood damage planning for residential properties throughout the Kirkland area. Their specialty add-ons include coverage for high-value home contents and basements. Like all agents here, they work with policies that address the seasonal risks of nearby Lake Washington and regional stormwater runoff. This agency can also assist commercial clients seeking flood protection for offices, warehouses, and food service operations.
Serving residential homeowners in Kirkland, Lee Insurance Services offers flood insurance policies designed to protect properties from water damage. The agency also works with commercial clients, covering businesses throughout the local area that require flood risk mitigation. Policies are tailored to align with federal requirements and local flood zone conditions. Clients are encouraged to return annually for policy reviews before each storm season, ensuring coverage remains adequate between regular property inspections by the homeowner.
What Does a a Flood Insurance Agent in Kirkland Cost?
Flood insurance costs in Washington vary by property location elevation and coverage amount. An NFIP policy for a single family home in Kirkland typically ranges from 700 to 2,500 per year. Private flood policies may cost 500 to 3,000 per year depending on risk factors. This is general information and not insurance advice.
About flood insurance agents in Kirkland
Flood insurance agents in Kirkland Washington help property owners secure coverage through the National Flood Insurance Program or private insurers. Washington State law requires flood insurance agents to hold a valid insurance license and follow strict disclosure rules. Kirkland properties near Lake Washington or the Sammamish River may need flood coverage even outside high-risk zones.
Frequently Asked Questions
Do I need flood insurance in Kirkland Washington?
Flood insurance is not required by Washington State law for all properties. However mortgage lenders may require it if your home is in a FEMA designated Special Flood Hazard Area. Many Kirkland homes near water bodies benefit from having a policy regardless of zone.
What does a flood insurance agent in Kirkland do?
A flood insurance agent helps you assess your flood risk compare NFIP and private policy options and complete the application. They explain coverage limits waiting periods and exclusions specific to Washington properties. They also assist with claims and policy renewals.
How long does it take to get flood insurance in Washington?
NFIP policies typically have a 30 day waiting period before coverage begins. Private flood policies may have shorter waiting periods or none at all. Your agent can help you find the fastest option for your situation.
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