Bainbridge Insurance Agency
724 Ericksen Ave NE, Suite 201, Bainbridge Island, WA 98110
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Bainbridge Island households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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724 Ericksen Ave NE, Suite 201, Bainbridge Island, WA 98110
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249 Winslow Way E, Suite 300, Bainbridge Island, WA 98110
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188 Ericksen Ave NE, Bainbridge Island, WA 98110
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188 Erickson Avenue NE, Bainbridge Island, WA 98110
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Learn about insurance coverage options specific to Bainbridge Island residents.
Complete insurance guide for Bainbridge Island, WA. Get rates for auto, home, flood, and earthquake coverage. Local agents, costs, and island-specific risks.
Home InsuranceBainbridge Island home insurance guide covering earthquake risk, waterfront property coverage, wildfire protection, and costs for Kitsap County homeowners.
Car InsuranceNavigate Washington's at-fault system with 25/50/10 minimums. Learn how ferry commutes, island risks, and affluent demographics affect your Bainbridge auto insurance rates.
Even if you're not in a FEMA-designated high-risk flood zone, flood insurance is worth considering on Bainbridge Island. Standard homeowners insurance doesn't cover flooding, and the island's proximity to Puget Sound means water damage from storms, king tides, or unusual weather events can happen anywhere. Flood insurance through the National Flood Insurance Program averages about $926 annually, and properties outside high-risk zones often qualify for lower rates.
Your Bainbridge Island ZIP code factors into insurance pricing, though not always negatively. Insurers consider local accident rates, theft statistics, and repair costs. While the island's isolation might affect emergency response times, lower traffic density compared to Seattle can offset that. The bigger factor is your individual driving record, vehicle type, and coverage choices—rates in Washington average around $68 monthly for full coverage through competitive carriers.
It depends on your situation. Local agents like Eagle Harbor Insurance or Thornburgh Insurance understand island-specific risks like waterfront property concerns, marine coverage needs, and ferry commute factors. They provide personalized service and can handle complex situations. Online carriers often offer lower rates for straightforward coverage needs. Get quotes from both—at least two local agents and one online carrier—and compare both price and service.
Washington requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage (known as 25/50/10). However, these minimums are rarely adequate for Bainbridge Island residents with significant assets to protect. Most insurance experts recommend at least 100/300/100 limits, plus comprehensive and collision coverage if you have a newer vehicle.
Earthquake insurance isn't required, but it's worth considering. The Pacific Northwest sits in a seismically active zone, and standard homeowners policies exclude earthquake damage. If you own an older home or have significant home equity, earthquake coverage—available as an endorsement or separate policy—provides important protection. Discuss your risk tolerance and the cost with a local agent who understands regional seismic risks.
An umbrella policy provides additional liability coverage beyond your auto and homeowners policies, typically starting at $1 million for $200 to $500 annually. It kicks in when underlying policy limits are exhausted and covers legal defense costs. If you have substantial assets—which many Bainbridge Island residents do, given median home values approaching $800,000—an umbrella policy protects your wealth from lawsuits resulting from auto accidents, property injuries, or other liability claims.
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