The top-rated condo insurance agent in Lynnwood, Washington is Mosaic Insurance Alliance, Llc, rated 4.9 stars across 814 reviews. Other highly rated options include Villa Insurance Group, Vern Fonk Insurance, Sea-Mountain Insurance. This directory lists 18 condo insurance agents serving Lynnwood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mosaic Insurance Alliance, Llc | 16108 Ash Way #201 | (425) 320-4280 |
| 2 | Villa Insurance Group | 20006 Cedar Valley Rd Ste. 202 | (425) 771-9000 |
| 3 | Vern Fonk Insurance | 3225 Alderwood Mall Blvd Suite D | (425) 434-4030 |
| 4 | Sea-Mountain Insurance | 19630 76th Ave W | (425) 775-1410 |
| 5 | Michelle Tullius: Allstate Insurance | 16418 7th Pl W Ste C | (425) 337-7151 |
| 6 | Lynnwood Ace Insurance & Retirement Services | 3301 184th St SW # 115 | (425) 678-6901 |
| 7 | Michael Gutierrez - State Farm Insurance Agent | 18023 Hwy 99 ste b | (425) 778-0050 |
| 8 | Empire Insurance Brokers | 19401 40th Ave W #270 | (866) 774-1324 |
| 9 | Hood Insurance Agency, Inc | 17925 Hwy 99 Ste 202 | (425) 689-5855 |
| 10 | Josh Culotti - State Farm Insurance Agent | 18904 Hwy 99 H | (425) 776-0133 |
Mosaic Insurance Alliance, Llc serves Snohomish County and the surrounding areas from its base in Lynnwood, Washington, specializing as a local condo insurance agent. The agency assists condominium unit owners in this region by explaining master policy coverage gaps and arranging personal property and liability policies. Policies address interior finishes, personal belongings, and loss assessments. The company handles quotes for HO-6 policies and coordinates loss assessment endorsements for local homeowners associations.
Villa Insurance Group offers a range of condo insurance services tailored for property owners in the Lynnwood area. It typically works with clients to assess coverage needs for personal liability, interior structures, and shared building elements. The company assists with filing claims and reviews policies regularly to adjust for changing property values or renovations. Service plans often include annual policy check-ins and direct support for loss prevention guidance. This agent serves single-family homeowners, apartment dwellers, retail businesses, and restaurant operators seeking appropriate coverage for their properties.
Vern Fonk Insurance serves homeowners and property managers in Lynnwood, Washington who require tailored condo insurance coverage. The agency provides policies designed to protect individual units and shared common areas, addressing the specific needs of condominium associations and unit owners. Standard offerings include dwelling protection and personal liability coverage for unforeseen events. Customers receive guidance on understanding their master policy obligations and supplemental insurance gaps. The agency also serves clients in the greater Seattle metropolitan area, including the neighboring community of Edmonds.
Sea-Mountain Insurance serves condo owners and homeowner associations in Lynnwood, Washington, by helping them find appropriate coverage for their individual units or shared building elements. The agency works with clients to navigate insurance requirements from lenders or property bylaws, explaining common protections such as liability and loss assessment. Its team assists with policy options for condominiums, making sure residents understand their coverage limits. The company also serves clients in nearby Edmonds and the greater Snohomish County communities.
Michelle Tullius: Allstate Insurance serves Lynnwood, Washington, and its surrounding communities, handling condo insurance for individual owners and associations. The agency addresses coverage for interior structures, personal property, and liability within shared buildings. It works to tailor policies that align with condo association bylaws and each client’s personal assets. For a typical job, the agent reviews the master policy details first and then recommends individual coverage to fill any gaps without unnecessary duplication.
Lynnwood Ace Insurance & Retirement Services assists condo owners with coverage options, distinguishing between one-time liability policies and recurring annual plans that bundle personal property protection. For local clients, standard policies typically address building hazard deductibles and loss assessments. Individual unit coverage can be customized to include personal liability and special endorsements for belongings. This Lynnwood agency provides services on a one-time, scheduled, or as-needed basis, depending on each client’s request for a quote, policy review, or renewal discussion.
Michael Gutierrez - State Farm Insurance Agent provides tailored condo insurance policies designed to cover individual unit liabilities and personal property. Operating in Lynnwood, Washington, it serves homeowners and investors by addressing specific risks like water damage from neighbor leaks or shared building assessments. The agency works to protect policyholders from financial loss caused by typical condo exposures, including theft and fire. During the winter season, it assists clients in securing adequate coverage for frozen pipe incidents and potential burst water lines, ensuring condominium living remains secure and manageable.
As spring storms begin across Lynnwood, ensuring your condo’s insurance is current becomes essential. Empire Insurance Brokers assists residents by reviewing their specific building policies and personal contents coverage to identify gaps or overlaps. They guide condominium owners through the nuances of master policies and individual liability protection. Before providing a quote specific to your residence association’s bylaws, they begin with a thorough inspection of your unit’s features and any recent renovations to accurately assess your coverage needs.
Hood Insurance Agency, Inc in Lynnwood, WA assists clients with securing condo insurance policies that protect individual units and personal belongings. The agency also helps arrange supplemental coverage options, including loss assessment protection and liability extensions beyond basic master policy limits. By evaluating local building regulations and common area exposures, its work tailors coverage to each policyholder’s specific occupancy needs. This agency can serve commercial sectors such as offices, warehouses, and food service operations requiring multi-peril property and liability protection.
Josh Culotti - State Farm Insurance Agent serves Lynnwood, Washington and the surrounding Snohomish County communities as a Condo Insurance Agent. It handles the unique coverage needs of condo owners, including personal property protection, liability coverage, and loss assessments. The agency generally begins by reviewing the homeowner association’s master policy to identify gaps, then builds a tailored condo insurance policy that fills those specific exposures. It uses a straightforward consultation to explain available options and match coverage levels to each client’s needs.
What Does a a Condo Insurance Agent in Lynnwood Cost?
Condo insurance in Washington typically costs between 200 and 500 dollars per year for a standard HO-6 policy. Factors like your unit value, location in Lynnwood, and chosen deductibles affect the premium. Higher coverage limits for personal property or liability will increase the cost. This is general information and not insurance advice.
About condo insurance agents in Lynnwood
A condo insurance agent in Lynnwood helps you understand the specific coverage needed for your condominium unit. Washington state law requires condo associations to carry a master policy, but your personal belongings and interior improvements are your responsibility. A local agent can explain how the Washington Condominium Act affects your individual policy needs.
Frequently Asked Questions
What does a condo insurance agent in Lynnwood do?
A condo insurance agent helps you choose an HO-6 policy that covers your personal property, liability, and interior structures. They also explain how your coverage coordinates with the condo association master policy required under Washington law.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically covers the building shell and common areas. You need your own HO-6 policy to cover your personal belongings, interior upgrades, and liability for accidents inside your unit. Washington law does not require you to carry this coverage, but your lender usually will.
How does Washington law affect my condo insurance?
Washington Revised Code 64.34 governs condominiums and requires associations to maintain property insurance on common elements. Your individual policy should include loss assessment coverage for special assessments from the association. An agent can help you understand these legal requirements.