Stolpman Insurance Agency
307 2nd St S, Bellingham, MN 56212
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Bellingham households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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307 2nd St S, Bellingham, MN 56212
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Bellingham residents.
Bellingham auto insurance averages $83/month. Learn about WA's 25/50/10 minimums, I-5 crash risks, border coverage, and how to protect yourself.
No, standard homeowners insurance policies exclude earthquake damage. Given Bellingham's location near the Cascadia Subduction Zone with a 1 in 3 chance of a major earthquake in the next 50 years, you need separate earthquake insurance either as a standalone policy or an endorsement to your homeowners policy. Deductibles typically range from 10-25% of your dwelling coverage.
Bellingham homeowners pay an average of $973 to $1,294 per year for home insurance, which is below Washington's state average of $1,410. Your actual premium depends on your home's age, construction type, coverage limits, deductible, and claims history. Recent rate increases of 12-19% annually mean it's important to shop around for the best rates.
If you own waterfront property in a FEMA Special Flood Hazard Area and have a federally-backed mortgage, your lender requires flood insurance. Even if not required, flood insurance is worth considering since Bellingham receives 36-39 inches of annual rainfall and waterfront properties face tsunami risks from potential Cascadia earthquakes. Properties in high-risk zones may pay double the premiums of inland homes.
Bellingham homeowners face heavy rainfall averaging 36-39 inches annually, windstorms especially during fall and winter, earthquake risk from the Cascadia Subduction Zone, and potential tsunami hazards for waterfront properties. Standard policies cover wind damage but exclude earthquakes and flooding, which require separate coverage.
Washington state doesn't legally require homeowners insurance, but if you have a mortgage, your lender will require it and specify minimum coverage limits. The lender wants to protect their financial interest in your property, so you must maintain coverage until you pay off the loan completely.
Shop around and compare quotes from at least three insurers annually, as rates vary significantly between companies. Bundle your home and auto insurance for multi-policy discounts of 15-25%, raise your deductible if you have adequate emergency savings, install protective devices like monitored security systems, and maintain good credit since Washington insurers use credit-based insurance scores.
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