North Town Insurance
5727 N Division St, Spokane, WA 99208
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5727 N Division St, Spokane, WA 99208
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46 East Wellesley, Spokane, WA 99207
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421 W Riverside Ave, Ste 220, Spokane, WA 99201
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601 W. Riverside Ave, Suite 230, Spokane, WA 99201
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7511 N Freya St, Spokane, WA 99217
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6406 N Monroe St, Spokane, WA 99208
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608 N Maple St., Spokane, WA 99201
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Learn about insurance coverage options specific to Spokane residents.
Spokane home insurance averages $1,200-1,500/year. Learn about wildfire coverage challenges, winter weather protection, and how to find affordable policies.
Car InsuranceSpokane auto insurance costs $1,100-$1,500/year. Learn about WA's at-fault system, winter coverage needs, and how to save with 17 local agencies.
General Insurance EducationComplete insurance guide for Spokane, WA. Learn about Washington's 25/50/10 requirements, winter driving coverage, wildfire risks, and how to find the best rates.
Car InsuranceSpokane drivers pay $1,744/year on average for car insurance—$369 less than Seattle. Learn costs, winter coverage needs, and how to save on your premium.
Washington state law doesn't require homeowners to carry insurance. However, if you have a mortgage, your lender will require you to maintain home insurance as a condition of the loan. Even if you own your home outright, insurance is a smart financial decision given Spokane's winter weather and wildfire risks.
Yes, standard homeowners insurance policies cover both direct wildfire damage and smoke damage to your home and belongings. This includes smoke that drifts in from wildfires burning in surrounding areas. However, getting and maintaining coverage in high wildfire-risk areas has become more challenging as some insurers are limiting their exposure in certain ZIP codes.
Keep your home heated to at least 55°F even when you're away, let faucets drip during extreme cold, and insulate pipes in unheated areas like crawl spaces and garages. Open cabinet doors under sinks to let warm air circulate around pipes. If you're leaving town during winter, consider having someone check on your home regularly, as your insurance may not cover damage from frozen pipes if the home was vacant and unheated.
Spokane homeowners have seen insurance rates increase more than 38% over the past two years, primarily due to increased wildfire risk in the region. The Gray Fire near Medical Lake and Oregon Fire near Elk in 2023 prompted insurers to reassess their risk models. Additionally, rising construction costs and an increase in weather-related claims across the state have contributed to higher premiums.
Yes, damage caused by ice dams is typically covered under standard homeowners insurance policies. This includes water damage to your walls, ceilings, and insulation when melting snow backs up behind an ice dam and leaks into your home. However, your policy won't cover the cost of removing the ice dam itself or damage that results from poor maintenance or inadequate insulation.
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