The top-rated flood insurance agent in Bremerton, Washington is Scott Cashman - State Farm Insurance Agent, rated 4.9 stars across 369 reviews. Other highly rated options include Vern Fonk Insurance, H&K Insurance Agency, Inc., Haley Insurance Agency Inc.. This directory lists 12 flood insurance agents serving Bremerton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott Cashman - State Farm Insurance Agent | 1550 NE Riddell Rd Ste 160 | (360) 627-7947 |
| 2 | Vern Fonk Insurance | 3620 Wheaton Wy A | (360) 686-6069 |
| 3 | H&K Insurance Agency, Inc. | 3105 Wheaton Wy | (360) 377-7645 |
| 4 | Haley Insurance Agency Inc. | 400 Warren Ave UNIT 105 | (360) 626-6173 |
| 5 | Debbie Doll Insurance Agent Broker | 500 Pacific Ave UNIT 200 | (360) 302-3446 |
| 6 | John Stephens - State Farm Insurance Agent | 1100 Wheaton Wy A | (360) 377-3992 |
| 7 | Michael Gribbin: Allstate Insurance | 4040 Wheaton Wy Ste 211 | (360) 479-9850 |
| 8 | Allstate Insurance: West Hills Insurance Agency | 950 W Hills Blvd | (360) 616-3300 |
| 9 | Affordable Insurance Service | 243-249 4th St | (360) 282-0904 |
| 10 | Steve Kumar: Allstate Insurance | 3331 Kitsap Way B | (360) 373-6895 |
Scott Cashman - State Farm Insurance Agent in Silverdale, WA serves homeowners, businesses, and property managers seeking flood insurance policies for their properties. The agency helps clients evaluate their flood risk exposure and select appropriate coverage limits to protect against water damage from storms and rising tides. Understanding the unique hazards of the Pacific Northwest coastline, the agent guides customers through the application process and claims filing. Scott Cashman's agency also assists property owners throughout nearby Bremerton with their flood insurance needs.
With spring rains and potential tidal flooding common in Bremerton, property owners often seek reliable protection against rising water damage. Vern Fonk Insurance helps residents understand the nuances of flood coverage, offering guidance tailored to local FEMA flood zone maps and elevation requirements. Their expertise assists homeowners and businesses in securing policies that align with federal lending mandates and regional weather patterns. Each consultation begins with a thorough property assessment to identify specific flood risks and determine appropriate coverage limits before submitting an initial application.
H&K Insurance Agency, Inc. serves the Bremerton, Washington metro area as a dedicated flood insurance agent. The company specializes in helping property owners secure coverage against water damage from rising rivers, heavy rainfall, and coastal storm surges common to the Pacific Northwest. It assists clients through the complexities of the National Flood Insurance Program and private market options. The agency handles policy evaluations and claims support for residential and commercial flood protection.
Haley Insurance Agency Inc. provides a full range of flood insurance services for properties in Bremerton, WA. Its offerings include policy reviews to ensure adequate coverage and assistance with claims documentation for flood-related damages. The agency helps clients understand flood zone designations and adjust coverage as needed. It services single-family homes, apartment complexes, retail locations, and restaurants throughout the local area.
Debbie Doll Insurance Agent Broker serves homeowners, businesses, and property managers in Bremerton, Washington, by providing flood insurance policies. The agency helps clients understand coverage options for protecting structures and contents against potential water damage common in the Pacific Northwest. This location offers guidance on federal and private flood insurance solutions tailored to local flood zone risks. Services also cover the surrounding Kitsap County communities, including Port Orchard.
John Stephens - State Farm Insurance Agent serves the Bremerton area and surrounding communities in Kitsap County, handling standard flood insurance policies for residential and commercial properties. It assists clients with identifying appropriate coverage limits based on local flood zone maps and floodplain regulations. The agency typically works by reviewing a property’s specific risk factors, explaining available policy options plainly, and guiding customers through the application process to secure necessary protection.
Michael Gribbin: Allstate Insurance provides flood insurance services in the Bremerton, Washington area. The agency assists homeowners, renters, and business owners in securing policies that protect properties from water damage. Flood insurance is typically not included in standard homeowners policies, making this a critical separate coverage for local residents. The agency helps clients understand their flood risk and the specific coverage options available to address it. With the rainy season and potential storm surges in the Pacific Northwest, the agent assists policyholders in ensuring their protection is active before weather events begin.
Allstate Insurance: West Hills Insurance Agency in Bremerton, WA, distinguishes between offering a single flood policy and setting up recurring coverage for properties in designated flood zones. The agency’s flood insurance protects structures and their contents against water damage from rising water or heavy storms. Serving the Bremerton area, this provider operates on a one-time, scheduled, or as-needed basis to match each homeowner’s specific risk and renewal preferences.
With Bremerton's frequent rain and proximity to the Kitsap Peninsula shoreline, homes face recurring risks of water damage from storms and tidal surges. Affordable Insurance Service addresses this need by connecting local homeowners and renters with flood policies that cover structural and personal property losses. They review National Flood Insurance Program details and private options to match each property’s elevation and risk category. A typical engagement begins with a property inspection to verify flood zone maps and assess the building's base elevation against current premiums.
Steve Kumar: Allstate Insurance in Bremerton, Washington, provides general property and casualty coverage to local homeowners and businesses. A primary specialty is offering flood insurance policies, which protect structures and contents against water damage from rising waters and storm surge common to the Pacific Northwest. This assistance includes explaining federal flood program requirements and private policy options. Common risks addressed range from minor seepage to major overflow events near the Puget Sound. Residential clients are served, along with commercial sectors including offices, warehouses, and food service establishments.
What Does a a Flood Insurance Agent in Bremerton Cost?
The cost of flood insurance in Bremerton Washington varies by property. An NFIP policy for a single-family home in a low-risk zone may start around 700 dollars per year. In high-risk zones premiums can exceed 2000 dollars annually. Private flood insurance may offer lower rates for some properties but deductibles can be higher. This is general information and not insurance advice.
About flood insurance agents in Bremerton
Flood insurance agents in Bremerton Washington help property owners secure coverage through the National Flood Insurance Program or private insurers. Bremerton sits on the Puget Sound and has several flood-prone areas near Sinclair Inlet and local creeks. Washington state law requires lenders to mandate flood insurance for properties in high-risk zones designated by FEMA.
Frequently Asked Questions
Do I need flood insurance in Bremerton Washington?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage you must carry flood insurance. Even outside high-risk zones flooding from heavy rain or storm surge can occur so many homeowners choose to buy a policy.
What does a flood insurance agent in Bremerton do?
A flood insurance agent helps you determine your flood zone risk and compares NFIP policies with private flood insurance options. They explain coverage limits deductibles and waiting periods and assist with filing claims after a flood event.
How long does it take for a flood insurance policy to start in Washington?
NFIP policies typically have a 30-day waiting period before coverage begins. Private flood insurance may have shorter waiting periods sometimes as little as 14 days. Plan ahead because you cannot get same-day coverage.
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