Deleon Insurance Services, LLC
201 N Edison St, Suite 229, Kennewick, WA 99336
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201 N Edison St, Suite 229, Kennewick, WA 99336
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3311 W Clearwater Ave, Ste. D102, Kennewick, WA 99336
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3311 W Clearwater Ave, Suite D102, Kennewick, WA 99336
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Kennewick residents.
Kennewick home insurance costs more than other WA areas. Learn about flood risks, earthquake coverage, and how to save on premiums in 2026.
General Insurance EducationComplete insurance guide for Kennewick, WA. Learn why rates are higher, when you need flood coverage, and how Tri-Cities growth affects your costs.
Kennewick has higher home insurance rates due to several factors: increased construction and replacement costs in the growing Tri-Cities area, distance from fire stations in some neighborhoods, and regional risk factors. Building materials have become more expensive due to tariffs, and labor costs are rising as the area expands. Insurers calculate what it would cost to completely rebuild your home, and those costs are higher in Kennewick than in areas like Bellingham or Bremerton.
Yes, flood insurance is worth considering even in Kennewick's dry climate if you live near the Columbia or Yakima Rivers. Historical flooding has put parts of Kennewick underwater, and in 2025, nearby Tri-Cities communities experienced significant river flooding. Standard homeowners policies do not cover flood damage from any source. Check if you're in a designated flood zone and consider National Flood Insurance Program (NFIP) coverage or private flood insurance.
Washington state law does not require homeowners to carry insurance. However, if you have a mortgage, your lender will require you to maintain a homeowners insurance policy as a condition of the loan. This protects both you and the lender's investment in the property. Even if you own your home outright, insurance is strongly recommended to protect your largest asset from fire, liability claims, and other covered losses.
Earthquake coverage is worth considering for Kennewick homeowners, though it's not included in standard policies and must be purchased separately. Washington sits on active fault lines, and while earthquakes are less frequent than in California, the potential for damage exists. Evaluate the additional premium cost against your risk tolerance and financial ability to repair or rebuild without coverage. Deductibles for earthquake insurance are typically high, often 10-25% of your dwelling coverage.
Review your policy annually, especially in Kennewick's growing market where home values increased 3.6% in the past year. Your dwelling coverage should reflect current replacement costs, not your purchase price. Also review your policy when you make major home improvements, acquire expensive personal property, or if construction costs in the area have increased significantly. Washington insurance rates have risen over 50% in five years, so shopping around every 2-3 years can ensure you're getting competitive rates.
Replacement cost coverage pays what it costs to replace your damaged property with new items at today's prices, without deducting for depreciation. Actual cash value deducts depreciation based on age and condition, giving you less money. For example, if your five-year-old roof is damaged, replacement cost would pay for a new roof, while actual cash value would pay for a new roof minus five years of depreciation. Replacement cost coverage has higher premiums but provides significantly better protection.
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