Washington Fair Plan
2122 164th St SW, # 301, Lynnwood, WA 98087
View this agency's profile to learn more about their services.
Loading...
City directory
Lynnwood households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2122 164th St SW, # 301, Lynnwood, WA 98087
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lynnwood residents.
Navigate Lynnwood's I-5/I-405 interchange with the right auto insurance. Learn about Washington's 25/50/10 minimums, at-fault rules, and local agency options.
Given the 85% probability of a magnitude 6.5+ earthquake in the Puget Sound region over the next 50 years, earthquake insurance deserves serious consideration. Standard policies exclude earthquake damage entirely, meaning you'd pay out-of-pocket to repair foundation cracks, structural damage, or a collapsed chimney. While the coverage is expensive, the alternative could be financially devastating if the big one hits.
Absolutely. Flood risk in Lynnwood isn't just about proximity to Puget Sound—it's about topography, drainage, and heavy rainfall. Storm systems regularly dump 2-6 inches of rain, causing creeks and streams to overflow and creating flooding in low-lying areas and places with poor drainage. Check FEMA's flood maps for your specific property, and strongly consider coverage if you're in or near a flood zone.
Washington state saw a 21% average increase in home insurance premiums for policy renewals recently. This reflects nationwide trends of rising construction costs, more frequent severe weather events, and increased claims. Insurers are adjusting rates to cover their increased costs, and unfortunately, homeowners are feeling the impact across the state.
Yes, standard home insurance policies typically cover wind damage to your dwelling and attached structures from the 55-65 mph gusts Lynnwood experiences during windstorms. This includes damage from falling trees that hit your house or garage. However, standalone trees in your yard that fall but don't damage structures are generally not covered, and you'll need to pay your deductible for any covered damage.
Your dwelling coverage should reflect the cost to completely rebuild your home at today's construction prices, not your purchase price or market value. With Lynnwood's growth and rising construction costs, this amount has likely increased significantly. Get a replacement cost estimate from your insurer or a contractor every few years, and consider adding inflation guard protection that automatically increases your coverage limits annually.
Most standard home insurance policies exclude landslide and mudflow damage, which is a real concern in Lynnwood given the heavy rainfall that saturates soil on steep terrain. You may be able to add earth movement coverage through an endorsement, but it's often limited and expensive. Check your policy carefully and ask your agent about available options if you live on or near a slope.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network