Every policy we write starts with a claims review. Home, auto, commercial, life, renters, and specialty lines. All built on 16 years of knowing what holds up and what falls apart when it matters.
Dwelling, personal property, liability, and additional living expenses. We review every limit against today's rebuild costs. Read More
Liability, collision, uninsured motorist, and gap coverage. Every policy gets a claims-lens review before we quote. Read More
General liability, commercial property, BOP, and workers compensation. Coverage built for how your business actually operates. Read More
Term and whole life policies for families at every stage. We match the coverage structure to your actual financial picture. Read More
Liability, collision, and theft coverage for ATVs, UTVs, and side-by-sides. Personal auto and homeowners policies do not cover off-road vehicles. Read More
Hull damage, liability, and on-water towing coverage. Whether you're on the river, a lake, or Puget Sound, your watercraft needs its own policy. Read More
Personal property, liability, and additional living expenses for tenants. Affordable protection most renters overlook until a loss happens. Read More
Extended liability limits beyond your home, auto, and other policies. One policy that closes the gaps across your entire coverage portfolio. Read More
Interior dwelling, personal property, and loss assessment coverage. Your HOA master policy only covers the building shell. Read More
Dwelling, landlord liability, and lost rental income protection. Coverage structured for rental property owners, not homeowners. Read More
Liability, collision, and accessory coverage for street and touring bikes. Washington requires the same liability minimums as auto. Learn More
Home values in the Spokane Valley area have climbed steadily since 2020. If your dwelling limit hasn't kept pace, you're carrying a gap you won't see until you file a claim. We review every home policy against current rebuild costs, not purchase price.
Most drivers across Washington carry state minimum limits. A single accident involving a newer vehicle or a serious injury can exceed those minimums in minutes. We review every auto policy against real claim costs, not just what the law requires.
A 35-year-old in Washington can lock in a $500,000 term life policy for under $30 a month. The cost goes up with age. We help families figure out the right coverage amount and structure before the math stops working in their favor.
Renters insurance in the Spokane area averages around $20 a month. It covers your personal property, your liability if someone is injured in your unit, and temporary housing if a covered loss makes your rental unlivable. Most tenants skip it until a theft, fire, or water loss teaches the lesson the hard way.
A barber shop and a restaurant have different exposures. A contractor has different exposures than both. We take time to understand what your business does before we recommend what it needs. Policies written for contractors, property managers, and small businesses across all four states.
Based in Spokane Valley, we write home, auto, commercial, and specialty insurance across Washington, Idaho, Oregon, and Arizona. Whether you're in Boise, Phoenix, Bend, or right here in the Valley, your policy gets the same claims-lens review we apply to every client we cover.
12904 E Nora Ave, Unit D, Spokane Valley, WA 99216
Ready for a policy reviewed by agents who've processed claims from the inside? We write direct quotes across all four states.
Service Area: WA · ID · OR · AZ
Build My Policy Right
An HO-6 policy covers your unit's interior, your personal property, and your liability. Without one, everything from your kitchen cabinets to your flooring is unprotected. Condo insurance in Washington averages around $616 a year, roughly $40 less than the national average. We review your HOA master policy alongside your HO-6 so the coverage lines up with no overlaps and no gaps.
An umbrella policy extends your liability limits beyond what your home, auto, and other policies cover. A $1 million umbrella in Washington typically runs $425 to $750 a year. If a major claim exceeds your base policy limits, the umbrella covers the difference. One of the most cost-effective ways to protect your assets.
A standard homeowners policy does not cover a property you rent to tenants. Landlord insurance covers the dwelling, your liability as the property owner, and lost rental income if a covered event makes the unit unlivable. Washington landlord policies average around $1,413 a year, depending on property type, location, and number of units. We write landlord policies across all four states.
ATVs, UTVs, and side-by-sides are not covered by your auto or homeowners policy. A separate off-road vehicle policy covers liability, collision, theft, and accessories. Whether you ride trails in Eastern Washington or haul your machine to Idaho, coverage travels with you.
Washington requires the same 25/50/10 liability minimums for motorcycles as for cars. Full coverage for a motorcycle in Washington averages around $343 a year, roughly 40% below the national average. We write policies for street bikes, touring bikes, and sport bikes with proper accessory and custom parts coverage.
Boat insurance in Washington typically runs $260 to $620 a year, depending on your vessel size, engine type, and where you keep it. Whether you're on the Spokane River, Lake Coeur d'Alene, or out on Puget Sound, your boat needs hull, liability, and on-water towing coverage. Homeowners policies do not cover watercraft.
Stephenson Insurance Agency.
Built by claims professionals who got tired of seeing families underinsured. Serving WA, ID, OR and AZ.
