Cornerstone Insurance Group
21920 76th Ave W, Suite 204, Edmonds, WA 98026
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21920 76th Ave W, Suite 204, Edmonds, WA 98026
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630 Main St, Edmonds, WA 98020
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144 Railroad Ave, Ste 107, Edmonds, WA 98020
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Learn about insurance coverage options specific to Edmonds residents.
Essential guide to auto, home, and specialty insurance in Edmonds, Washington. Learn state requirements, local rates, and find trusted agents near you.
Home InsuranceEdmonds homeowners face unique insurance needs. Learn about earthquake coverage, tsunami protection, flood zones, and waterfront property insurance costs.
Car InsuranceEdmonds auto insurance guide: Washington's 25/50/10 minimums, at-fault system, ferry traffic risks, and average rates of $98/month. Find the right coverage.
Washington requires liability coverage of at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. However, these minimums often aren't enough to fully protect your assets, especially in Edmonds where the median household income is over $116,000. Most insurance experts recommend carrying higher limits.
If you live near the waterfront or in a flood-prone area, you'll likely need flood insurance. Standard homeowners policies don't cover flood damage, and mortgage lenders typically require separate flood insurance for properties in high-risk zones. Even if you're not required to have it, flood insurance is worth considering given Edmonds' location on Puget Sound.
The average home insurance premium in Edmonds is around $1,341 per year, which is slightly above Washington's state average. Waterfront properties typically pay more due to increased exposure to water damage and higher property values. Your actual rate depends on factors like your home's age, construction type, coverage limits, and deductible.
While buying online can be convenient, working with a local Edmonds agent has advantages. Local agents understand the unique risks of Puget Sound waterfront living, know which carriers offer the best rates for your area, and can provide personalized service when you need to file a claim. Independent agents can also shop multiple carriers on your behalf to find the best coverage at the best price.
Umbrella insurance provides additional liability coverage beyond what your auto and home policies include—typically $1 million or more. Given that Edmonds has a higher median income than many Washington communities, umbrella insurance is worth considering to protect your assets. It's relatively inexpensive for the amount of protection it provides, usually costing just a few hundred dollars per year.
No, standard renters insurance doesn't cover flood damage, just like homeowners insurance doesn't. If you're renting near the Edmonds waterfront, you may want to purchase separate flood insurance through the National Flood Insurance Program. However, renters insurance does cover water damage from issues like burst pipes or appliance leaks, and it provides valuable liability protection.
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