Homeowners insurance that protects what matters most
Independent agency shopping multiple carriers for your best rate.
Your home is your biggest asset. Get a personalized quote from multiple carriers — find the best coverage at the best price.
Coverage breakdown in plain English
Dwelling Coverage
The structure of your home — walls, roof, foundation, built-in appliances.
- The structure itself
- Attached garage
- Built-in appliances
- Replacement cost coverage
Personal Property
Your belongings inside the home — furniture, electronics, clothing.
- Furniture & decor
- Electronics & appliances
- Clothing & personal items
- Coverage limits per item
Liability Protection
If someone gets injured on your property, your insurance covers their medical and legal costs.
- Bodily injury coverage
- Property damage liability
- Legal defense costs
- Typical limits: $100K–$300K
Additional Living Expenses
If your home is damaged and uninhabitable, coverage for hotel, meals, and temporary housing.
- Hotel & temporary housing
- Meals & dining out
- Moving costs
- Covered while home is repaired
Other Structures
Coverage for detached structures like garages, sheds, fences, pools, and pergolas.
- Detached garage
- Shed or outbuilding
- Fences & gates
- Typically 10–15% of dwelling
Medical Payments
If someone is injured on your property, covers their medical expenses regardless of liability.
- Medical bills for guests
- No fault coverage
- Limits: $500–$5,000
- Small injuries covered quickly
Your State Farm agent only sells State Farm
Shop Multiple Carriers
We represent 15+ homeowners insurance carriers. You get the best rate, not just one option.
Local Spokane Agent
Keaton Flanigan knows Washington insurance. When you need help, you talk to a real person, not an 800 number.
Bundle Discounts
Add your auto, umbrella, or other policies with us and save 10–25% on your total premiums.
Things homeowners should know about
Flood Insurance
Not covered in standard policies. Separate policy through NFIP or private carriers.
- Flood damage to structure
- Damage to belongings
- 30-day waiting period
- $150–$500/year typical cost
Earthquake Coverage
Essential in Washington. Standard policy doesn't cover earthquakes — add as rider.
- Structural damage from quakes
- Personal property in quake
- Often 10–20% deductible
- $20–$100/year common
Umbrella Policy
Extra liability layer above home & auto. Protects against major lawsuits.
- $1M–$5M extra liability
- Covers gaps in home/auto
- Legal defense & awards
- $300–$600/year for $1M
Valuable Items Rider
Higher limits for jewelry, art, collections, and high-value belongings.
- Jewelry & watches
- Fine art & antiques
- Collections
- No deductible options
Tell us about your home
Fill out the form below and we'll send you personalized quotes from multiple carriers.
Homeowners insurance in Washington typically ranges from ~$100–$250/month — your actual quote depends on your home value, location, and claims history.
Prefer to talk? Call (360) 886-4781
Common questions about homeowners insurance
Homeowners insurance costs vary based on your home's age, location, replacement cost, claim history, and coverage limits. In Washington, you'll typically see monthly premiums ranging from $80–$300+ depending on these factors. We quote multiple carriers to find the best rate for your specific situation.
Standard homeowners policies don't cover flood damage, earthquakes, regular maintenance issues, or damage from neglect. Flooding requires a separate flood insurance policy. Earthquake coverage is an add-on rider. We can help you understand gaps in your coverage and recommend add-ons that make sense for your home.
It's simple. Give us your current policy details and we'll shop quotes from multiple carriers. Once you pick a carrier and we bind coverage, we'll handle the cancellation with your old insurance. No overlap, no gaps. Most switches take 24–48 hours.
Yes. Bundling home and auto insurance typically saves 10–25% on your total premium. We represent multiple carriers that offer great home/auto bundle discounts. If you have both policies with us, you'll qualify for multi-policy savings.
Common discounts include bundling (home + auto), safety features (security system, deadbolts, fire alarm), age of home, years without claims, paid-in-full discounts, and loyalty discounts. We shop all available discounts across carriers to maximize your savings.
Once we have your information, most homeowners policies can be bound the same day. We can issue a binder immediately, so you're covered right away. Full policy documents arrive within 24 hours. If you need coverage before closing on a home, we can make that happen fast.
Yes. NationGuard is a licensed independent insurance agency in Washington State. Our agent, Keaton Flanigan (NPN #21747002), personally reviews every quote. We represent multiple carriers and are available to help with claims, renewals, and coverage questions.
Flood insurance is separate from your homeowners policy and is absolutely essential if your home is in or near a flood zone. Even if you're not required to carry flood insurance, if you're in a flood-prone area or near water, it's a smart investment. We can check your flood zone and recommend the right coverage.