Gustafson Insurance
437 29th St NE, Ste G, Puyallup, WA 98372
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Puyallup households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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437 29th St NE, Ste G, Puyallup, WA 98372
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2921 5th Ave NE, Ste 150, Puyallup, WA 98372
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8116 112th Street Court East, Suite B, Puyallup, WA 98373
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8116 112th St Ct E, Ste. B, Puyallup, WA 98373
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4227 South Meridian, STE C237, Puyallup, WA 98373
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3911 9th St SW, #204, Puyallup, WA 98373
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11602 101st Avenue E, Puyallup, WA 98373
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Learn about insurance coverage options specific to Puyallup residents.
Essential insurance guide for Puyallup residents. Learn about auto, home, earthquake & flood coverage for Pierce County's unique risks near Mount Rainier.
Home InsuranceEssential home insurance guide for Puyallup, WA. Learn about lahar risks, volcanic coverage gaps, and why standard policies don't protect you.
Car InsuranceGet the right auto insurance in Puyallup, WA. Learn about Washington's 25/50/10 minimums, at-fault system, and how to save on coverage in Pierce County.
Given Puyallup's location in Pierce County with multiple earthquake threats including the Cascadia Subduction Zone, earthquake insurance is highly recommended. Standard homeowners policies exclude earthquake damage, meaning you'd pay for all repairs yourself after a major quake. While it adds to your premium, the potential cost of rebuilding after earthquake damage far exceeds the insurance cost.
Washington saw a 17.2% auto insurance rate increase in 2025, tied with New Jersey for the largest increase nationwide. This follows a 20% increase in 2024. The primary driver is inflation affecting auto repair costs—parts, labor, and vehicle values have all increased significantly. These rate hikes are happening statewide, not just in Puyallup.
Lahar damage typically falls under flood insurance, not standard homeowners coverage. Lahars are fast-moving volcanic mudflows that behave like floods. You'll need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Don't assume volcano-related damage is automatically covered—check your policy and add flood coverage if needed.
No, PIP is optional in Washington state. Washington operates under a choice no-fault system, letting you decide whether to purchase PIP coverage. PIP covers your medical expenses regardless of who caused the accident. Whether you need it depends on your existing health insurance coverage and your financial situation.
While Puyallup-specific rates vary, Washington state homeowners insurance averages around $1,215 per year, significantly lower than the national average of $1,687. Your actual cost depends on your home's age, construction, location, coverage limits, and deductibles. Earthquake and flood coverage, which are essential in Puyallup, require additional policies and increase your total insurance costs.
Local agents offer significant advantages in Puyallup due to the area's unique risks. They understand Pierce County's earthquake zones, Mount Rainier lahar paths, and flood risks better than national call centers. Independent agents can shop multiple carriers for you and provide personalized advice on critical coverage like earthquake and flood insurance that many residents overlook.
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