The top-rated home insurance agent in Lynnwood, Washington is Mosaic Insurance Alliance, Llc, rated 4.9 stars across 813 reviews. Other highly rated options include Villa Insurance Group, Vern Fonk Insurance, Sea-Mountain Insurance. This directory lists 22 home insurance agents serving Lynnwood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mosaic Insurance Alliance, Llc | 16108 Ash Way #201 | (425) 320-4280 |
| 2 | Villa Insurance Group | 20006 Cedar Valley Rd Ste. 202 | (425) 771-9000 |
| 3 | Vern Fonk Insurance | 3225 Alderwood Mall Blvd STE D | (425) 434-4030 |
| 4 | Sea-Mountain Insurance | 19630 76th Ave W | (425) 775-1410 |
| 5 | Michelle Tullius: Allstate Insurance | 16418 7th Pl W Ste C | (425) 337-7151 |
| 6 | Lynnwood Ace Insurance & Retirement Services | 3301 184th St SW # 115 | (425) 678-6901 |
| 7 | Michael Gutierrez - State Farm Insurance Agent | 18023 Hwy 99 ste b | (425) 778-0050 |
| 8 | Empire Insurance Brokers | 19401 40th Ave W #270 | (866) 774-1324 |
| 9 | Becky Schuler - State Farm Insurance Agent | 1132 164th St SW b | (425) 742-8700 |
| 10 | Hood Insurance Agency, Inc | 17925 Hwy 99 Ste 202 | (425) 689-5855 |
Mosaic Insurance Alliance, Llc serves homeowners throughout the greater Lynnwood area of Snohomish County, offering home insurance agent services. The company assists local property owners with obtaining policies that protect their dwellings against common regional risks, including windstorms and wildfire damage. Coverage options help residents secure financial safeguards for their houses and personal belongings. The firm also handles the procurement of liability protection for accidents occurring on residential property. Mosaic Insurance Alliance, Llc helps clients in this community find appropriate plans for dwelling coverage and personal property replacement.
Villa Insurance Group provides a range of residential protection policies for the Lynnwood area. The agency offers coverage consultations and annual policy reviews to match changing needs. Assistants help clients with risk assessment and replacement cost calculations for their property. Please ask about bundled discount options for auto and home policies. The company writes policies for single-family homes and apartments, and also serves retail businesses and restaurants that require liability protection.
Vern Fonk Insurance provides homeowners, property managers, and real estate investors with personalized home insurance solutions in Lynnwood, Washington. The agency works with clients to review dwelling coverage, liability protection, and personal property options based on individual property needs and risk factors. Agents assist with policy comparisons and can help adjust coverages as homes are renovated or newly purchased. The company supports clients throughout the Lynnwood area and also serves surrounding communities in Snohomish County, including Edmonds.
Sea-Mountain Insurance serves homeowners and property managers in Lynnwood, Washington, offering home insurance policies that protect single-family residences and rental properties against common Pacific Northwest risks like windstorms and water damage. The agency assists customers in reviewing coverage limits, deductibles, and liability options to match each property’s specific needs. It provides guidance on bundling home and auto policies for added convenience. Sea-Mountain Insurance also extends its home insurance services to property owners in the nearby community of Edmonds.
Serving Lynnwood and the surrounding Snohomish County communities, Michelle Tullius: Allstate Insurance handles comprehensive home insurance policies for local homeowners. The agency offers coverage to protect property from damage, liability, and unexpected losses common to the Pacific Northwest climate. To handle a typical job, the agency first reviews the client’s property details and specific needs, then compares available policy options to build a personalized plan that balances thorough protection with the homeowner’s budget.
For ongoing property protection, Lynnwood Ace Insurance & Retirement Services offers both annual policy renewals and one-time adjustments when coverage needs change. The agent helps homeowners in Lynnwood, WA, select policies that cover dwelling damage, personal liability, and additional structures on the property. Service for reviewing quotes and updating existing policies runs on either a one-time consultation or a scheduled annual review basis.
As a home insurance agent in Lynnwood, WA, Michael Gutierrez at State Farm focuses on crafting tailored policies for dwelling, personal property, and liability protection. He further assists local homeowners and renters by reviewing detailed coverage options to match individual needs and budget constraints. His particular expertise includes helping clients assess adequate replacement cost coverage against common regional risks, such as the seasonal threat of heavy winter storms causing roof and gutter damage during the wet Pacific Northwest months.
As spring rains test Lynnwood’s roofs and gutters, Empire Insurance Brokers evaluates local home insurance needs to ensure adequate coverage against Pacific Northwest weather. The company reviews standard homeowner policies for common gaps, such as sewer backup or wind damage exclusions specific to this area. Empire Insurance Brokers then compares multiple carriers to find a suitable option for each property. An agent visits the home to document existing conditions and discuss deductible preferences.
Becky Schuler, operating as a State Farm Insurance Agent in Lynnwood, Washington, guides homeowners through personalized property coverage options to protect their residences against common Pacific Northwest risks. The agency can arrange for specialized endorsements, such as those for earthquake damage or sewer backup, to strengthen a standard policy. Clients may also secure liability protection for accompanying home-based businesses. This coverage is adaptable to various commercial sectors, including offices, warehouses, and food service operations.
Hood Insurance Agency, Inc in Lynnwood, WA begins by assisting residential clients with home insurance policies, then extends its services to commercial coverage for local businesses throughout the surrounding area. The agency works to explain policy options clearly, helping homeowners and business operators select appropriate protection for their properties. Following an initial visit, they provide follow-up support between regular appointments to adjust coverage as needs change.
What Does a a Home Insurance Agent in Lynnwood Cost?
In Washington, the average annual home insurance premium is around 1,200 to 1,500 dollars. However, costs in Lynnwood can range from 800 to 2,000 dollars per year depending on your home size, age, and coverage levels. Factors like proximity to fire stations and local crime rates also affect pricing. This is general information and not insurance advice.
About home insurance agents in Lynnwood
Home insurance agents in Lynnwood, Washington help homeowners find coverage that meets state requirements and protects against local risks. Washington law does not require homeowners insurance, but mortgage lenders typically mandate it. Agents can explain common perils like windstorms and earthquakes that are not always covered by standard policies.
Frequently Asked Questions
What does a home insurance agent in Lynnwood do?
A home insurance agent helps you compare policies from different insurers to find coverage that fits your needs. They explain policy terms, coverage limits, and deductibles. They also assist with filing claims and updating your policy as your situation changes.
Is homeowners insurance required by law in Washington?
No, Washington state law does not require homeowners insurance. However, if you have a mortgage, your lender will require you to carry coverage. An agent can help you meet those lender requirements while protecting your investment.
What factors affect home insurance costs in Lynnwood?
Costs depend on your home value, location, age of the home, and claims history. Living near wooded areas may increase wildfire risk, which can raise premiums. Your credit score and chosen deductible also influence the price.
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