Cross Insurance Agency
2745 Martin Way E, Ste A, Olympia, WA 98506
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2745 Martin Way E, Ste A, Olympia, WA 98506
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2111 Harrison Ave NW, Olympia, WA 98502
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2306 Vista Ave SE, Olympia, WA 98501
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1409 Washington Ave SW, Suite 309, Olympia, WA 98501
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Learn about insurance coverage options specific to Olympia residents.
Complete guide to insurance in Olympia, Washington. Learn about required auto coverage, home insurance costs, flood protection, and local agents serving the capital city.
Home InsuranceOlympia home insurance guide covering earthquake risk, flood protection, and average costs. Get quotes for WA's capital city with median home values of $513K+.
Car InsuranceGet the facts on Olympia auto insurance: WA's 25/50/10 minimums, average costs of $92-$131/month, at-fault system details, and tips to save on coverage.
While not legally required, flood insurance is worth considering in Olympia due to the area's 50 inches of annual rainfall and history of river and creek overflow. Thurston County residents qualify for up to 40% off flood insurance through FEMA's Community Rating System (Class 2 rating), often bringing costs under $400 per year for lower-risk properties. Standard homeowners policies don't cover flooding.
Home insurance in the Olympia area averages $1,400-$1,600 annually, which is significantly below the national average of $3,467. Your actual cost depends on your home's value, age, construction type, coverage limits, and deductible. Washington's lower rates make it one of the most affordable states for homeowners insurance.
Always opt for replacement cost coverage on your home. Replacement cost pays to rebuild at current construction prices, while actual cash value deducts depreciation, often leaving you significantly short during a claim. The premium difference is typically small, but the payout difference during a major claim could be tens of thousands of dollars.
Yes, bundling auto and home insurance with the same carrier typically saves 15-25%, often translating to $300-500 in annual savings. Most major insurers and local Olympia agents offer bundle discounts, making it worth getting quotes from companies that can handle both policies.
Earthquake coverage isn't mandatory and Olympia isn't more earthquake-prone than the rest of Washington, but the state does sit on active fault lines. Earthquake insurance in Washington is relatively affordable compared to California, typically costing $100-300 annually for basic coverage. It's worth considering based on your risk tolerance and home value.
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