Allstar Financial Insurance
9805 NE 116th St, Kirkland, WA 98034
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9805 NE 116th St, Kirkland, WA 98034
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611 4th Avenue, Suite A, Kirkland, WA 98033
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1715 Market Street, STE 100, Kirkland, WA 98033
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820 Market St, Ste 1, Kirkland, WA 98033
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13513 NE 126th Pl, Ste E, Kirkland, WA 98034
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733 7th Ave, Ste 112, Kirkland, WA 98033
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525 Kirkland Way, Kirkland, WA 98033
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917 Kirkland Ave, Kirkland, WA 98033
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12015 115th Ave NE, Suite 240, Kirkland, WA 98034
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Learn about insurance coverage options specific to Kirkland residents.
Kirkland home insurance costs $1,200-$1,500/year, but earthquake and waterfront risks require extra coverage. Get quotes for high-value homes.
General Insurance EducationComplete insurance guide for Kirkland, WA residents. Learn about auto requirements, waterfront flood coverage, earthquake protection, and 2024 rate changes.
Car InsuranceKirkland drivers pay $104/month average for auto insurance. Learn about WA's 25/50/10 minimums, I-405 traffic risks, and how to get the right coverage.
The average home insurance policy in Washington costs $1,215 to $1,500 annually, but Kirkland homeowners typically pay significantly more due to higher property values. Homes valued at $1.3 million or more require greater coverage limits, which increases premiums. Expect to pay 50-100% above the state average depending on your home's value and features.
Yes. Washington has the second-highest earthquake risk in the U.S., with over 1,000 quakes annually. Standard home insurance excludes earthquake damage entirely. Given the Cascadia Subduction Zone and Seattle Fault proximity, earthquake coverage is essential for Kirkland homeowners. It costs $3-$15 per $1,000 of coverage, making it relatively affordable for the protection it provides.
Absolutely. Even if you're not in a FEMA high-risk flood zone, localized flooding occurs during heavy rainstorms in the Pacific Northwest. Standard home insurance policies exclude all flood damage. Waterfront properties face even greater exposure, making flood insurance through NFIP or private insurers a critical part of your coverage package.
Extended replacement cost coverage pays above your policy limit if rebuilding costs exceed your dwelling coverage amount. In Kirkland's competitive construction market with premium finishes and high labor costs, this protection is essential. Standard policies may cap out before your custom home is fully rebuilt, leaving you to cover the difference.
Washington homeowners saw rate increases of 14.4% in 2023 and 19.5% in 2024 due to soaring construction costs. Materials and labor now cost 30-40% more than three years ago, dramatically increasing replacement costs. Insurers adjust premiums to reflect what it would actually cost to rebuild your home today, not what you originally paid for it.
Yes, especially for high-value properties. Standard home insurance provides $100,000-$300,000 in liability coverage, which can be exhausted quickly in a serious injury lawsuit. An umbrella policy adds $1-$5 million in additional liability protection for just $200-$400 annually. For Kirkland's high-net-worth homeowners, it's essential protection against catastrophic financial loss.
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