A partner, not just a policy — every option side-by-side, in plain language, and advice that costs you $0. Carriers pay us, not you.
Geneva Insurance Group is licensed by the Washington Office of the Insurance Commissioner (OIC) to write business statewide. We compare 25+ A-rated carriers for Washington drivers, homeowners, and businesses — from Seattle, Tacoma, and the Puget Sound region through Spokane, the Tri-Cities, Vancouver, and rural eastern WA.
Washington requires minimum 25/50/10 liability — $25,000 per person, $50,000 per accident, $10,000 property damage. That property-damage minimum disappears fast in a state full of new vehicles; we compare carriers and typically recommend 100/300/100 with uninsured motorist coverage.
Washington homes face two risks standard policies handle differently: earthquake (excluded — a separate endorsement or policy, worth a hard look anywhere near the Cascadia Subduction Zone and Puget Sound) and wildfire (covered as fire, increasingly underwritten by brush zone in central and eastern WA). We size rebuild cost and structure both correctly.
Renters coverage is inexpensive across most Washington markets, and Seattle-area landlords commonly require proof of liability at lease signing. Condo (HO-6) policies get sized to your association’s master-deductible exposure.
Washington is a monopolistic workers-comp state: comp runs through the Department of Labor & Industries (L&I), not private carriers. We build the rest of the program — GL, commercial property, professional liability, commercial auto, and umbrella — and help you slot L&I coverage alongside it.
Term life, whole life, and individual/family health insurance for Washington residents through OIC-licensed carriers. Marketplace and off-exchange plans both available.
Personal umbrella from $1M to $10M that stacks on top of your auto + home liability for catastrophic-event protection.
Geneva is licensed by the Washington Office of the Insurance Commissioner for personal and commercial lines statewide, and we follow the OIC’s consumer-protection rules on every placement.
Major standard carriers, specialty markets, and surplus-lines access for the risks standard markets decline. Captives can only quote one carrier.
Seattle to Spokane, Bellingham to Vancouver — one licensed agent handles your quotes, renewals, and claims, with no office overhead in your premium.
Washington requires 25/50/10 in liability coverage — $25,000 per person bodily injury, $50,000 per accident, and $10,000 property damage. A single totaled newer vehicle easily exceeds the $10,000 property-damage minimum, which is why most independent agents recommend at least 100/300/100 plus uninsured motorist coverage.
Washington is one of a handful of monopolistic workers-comp states: coverage is purchased through the Washington State Department of Labor & Industries (L&I), with premiums assessed on worker hours by risk class — private carriers cannot write it. Your agency still builds everything else in the commercial program (GL, property, professional liability, commercial auto) around the L&I coverage.
No — earthquake damage is excluded from standard homeowners policies. Given the Cascadia Subduction Zone and the Seattle-area fault systems, a separate earthquake endorsement or standalone policy is worth pricing for most western Washington homeowners. Deductibles typically run 10-25% of dwelling coverage, so structure matters.
Yes — Washington auto and home rates have climbed since 2022 with repair-cost inflation and wildfire-driven underwriting in central and eastern WA. The best response is re-shopping coverage across carriers at renewal — which is exactly what an independent agency does.
Washington auto insurance compared across 25+ carriers.
Washington homeowners coverage with earthquake and wildfire structured properly.
GL + property + professional liability built around L&I workers comp.
Personal umbrella for Washington households.