Johnson Joy Insurance Services, Inc.
841 Central Ave N, #103, Kent, WA 98032
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841 Central Ave N, #103, Kent, WA 98032
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841 Central Ave N #C 103, Kent, WA 98032
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1042 W James St, # 103, Kent, WA 98032
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1209 Central Ave S, Ste 108, Kent, WA 98030
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302 W Harrison St, Ste 106, Kent, WA 98032
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Learn about insurance coverage options specific to Kent residents.
Kent insurance guide: auto, home, flood coverage for Green River Valley residents. Get rates, local agents, and protect your South King County home.
Home InsuranceKent home insurance averages $1,200-$1,500/year but standard policies exclude earthquake and flood damage. Learn what coverage you need after 2025 levee failures.
Car InsuranceKent auto insurance averages $149/mo. Washington requires 25/50/10 at-fault coverage. Learn costs, coverage needs for I-5 and SR-167 driving.
Yes, especially if you're in the Green River Valley. Kent experienced significant flooding in December 2025 when the Desimone levee was breached, and residents without flood insurance faced devastating out-of-pocket costs. Standard homeowners insurance doesn't cover flood damage at all. Check FEMA's flood maps for your address, and even if you're not in a high-risk zone, consider buying a policy—it costs $400-700 annually, far less than flood damage repairs.
The state minimum (25/50/10) is rarely enough for Kent drivers who commute on busy corridors like SR-167 and I-5. Insurance professionals recommend at least 100/300/100 coverage because one multi-vehicle accident can easily exceed $50,000 in damages. The difference in premium is usually $30-50 per month, which is worth it to protect your assets from a major lawsuit.
Kent homeowners typically pay $537 to $937 annually, significantly lower than Washington's state average of $1,215. Condo owners in Kent have it even better, with the state's lowest rates at around $558 per year. Your actual rate depends on your home's age, value, coverage limits, and claims history. Getting multiple quotes can save you an additional $250 or more.
Renters insurance covers your personal belongings (furniture, electronics, clothing) if they're damaged or stolen, liability protection if someone is injured in your apartment, and additional living expenses if your rental becomes uninhabitable due to a covered event. For $15-30 per month, you typically get $30,000 in property coverage and $100,000 in liability protection—your landlord's insurance covers none of this.
Absolutely. Washington's Health Benefit Exchange offers individual and family health plans, many with premium subsidies based on your income. With Kent's median household income at $90,416, many families qualify for assistance. You may also qualify for Apple Health (Medicaid) if your income is lower. Open enrollment typically runs November through January, but qualifying life events allow you to enroll year-round.
Local Kent agents understand specific South King County risks like Green River flooding and SR-167 traffic patterns that online platforms may overlook. Independent agents shop multiple carriers for you, often finding better rates than you'd get shopping alone. Kent has 5 independent agencies, and industry data shows getting multiple quotes can save $250+ annually. That said, always compare—some people do find better deals online.
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