All Seasons Insurance
605 2nd St, Ste 202, Snohomish, WA 98290
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605 2nd St, Ste 202, Snohomish, WA 98290
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16403 Broadway Ave, Snohomish, WA 98296
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605 2nd St SE, Suite 101, Snohomish, WA 98290
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605 2nd St, #101, Snohomish, WA 98290
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168 Pine Ave, Snohomish, WA 98290
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Learn about insurance coverage options specific to Snohomish residents.
Auto, home & flood insurance guide for Snohomish, Washington. Learn requirements, costs, flood zones near the river, and find local agents in 2025.
Home InsuranceGet the facts on home insurance in Snohomish, Washington. Learn about flood risk along the Snohomish River, earthquake coverage, and insuring Victorian homes.
Car InsuranceSnohomish drivers face 25/50/10 minimums in Washington's at-fault system. Learn about coverage options, rising rates, and US-2 traffic impacts on insurance.
Washington's 25/50/10 minimum is rarely enough in real accidents. A single emergency room visit often exceeds $25,000, and the average new car costs over $48,000. If you cause an accident that injures multiple people or totals a newer vehicle, you'll be personally liable for costs exceeding your policy limits. If you own a home or have significant savings, higher limits protect your assets.
No, standard homeowners insurance specifically excludes flood damage. Since parts of Snohomish are near the Snohomish River and within FEMA flood zones, you need a separate flood insurance policy through the National Flood Insurance Program. If you have a mortgage and live in a high-risk flood zone, your lender will require this coverage.
Washington saw auto insurance rates jump over 20% in 2024, with another 17.2% increase expected in 2025—the highest in the nation. The primary driver is skyrocketing vehicle repair costs due to complex technology in modern cars. Home insurance claims have also nearly doubled since 2018, from $941 million to almost $2 billion, due to increased construction and labor costs.
Local agents understand area-specific risks like flood zones near the river, neighborhoods with higher property crime, and how historic home features affect coverage. They can identify gaps in your coverage that automated online quotes might miss. However, get quotes from both local agents and online carriers to compare rates and coverage options.
Check FEMA's Digital Flood Insurance Rate Maps (updated in June 2020) to see if your property is in a high-risk zone (AE, A, AO, AH, VE). If you have a mortgage and you're in a high-risk zone, your lender requires flood insurance. Even in moderate-risk zones, about 25% of flood claims occur there, so coverage is worth considering given Snohomish's proximity to the river.
Most insurers offer 15-25% discounts when you bundle home and auto policies with the same carrier. This can significantly offset recent rate increases in Washington. You'll also simplify your insurance management with one carrier, one renewal date, and potentially just one deductible if a single event damages both your home and vehicle.
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