Washington insurance from a local independent agency

Washington is a beautiful, geographically diverse state, and that diversity shapes its insurance needs. A home in Bellingham faces different risks than a condo in Seattle or a ranch in Yakima. What unites Washington homeowners is a set of perils that standard policies handle unevenly: windstorms off the Pacific and Puget Sound, wildfire and smoke in and east of the Cascades, earthquake risk along the I-5 corridor and the Cascadia subduction zone, and flooding from rivers and heavy rain. As an independent agency with a Washington office in Blaine, Maru helps you close the gaps — especially earthquake and flood, which are excluded from standard homeowners policies by default.

Washington auto insurance

Washington is an at-fault (tort) state, so the driver responsible for a crash is financially liable for the other party's injuries. Washington also restricts the use of credit-based insurance scores more than many states, which changes how carriers price drivers here. We help Washington drivers set liability and uninsured-motorist limits that actually protect them — the state minimum of $25,000/$50,000 is easily exceeded in a serious accident. Read our auto insurance guide for details.

Washington home insurance

Standard Washington homeowners policies generally cover fire, wildfire, and windstorm, but exclude earthquake and flood. Given the region's seismic risk, earthquake coverage deserves serious consideration, particularly for older or masonry homes. We also help with wildfire defensible-space considerations and rebuilding-cost accuracy. See our home insurance guide.

Washington business insurance

Washington businesses face a unique workers' compensation system: coverage runs through the state fund (L&I) rather than private carriers. We advise on classifications and coordinate your general liability, BOP, and commercial auto around it. Explore business insurance.

Browse Washington by county

Washington coverage is organized by county — open any county below for its dedicated guide and the full list of cities and towns we serve there:

Major Washington cities

Prefer to jump straight to your city? Here are some of the Washington communities we serve most — follow any link for a dedicated local guide:

Don't see your town? We cover every city and county in Washington. Call or request a quote and we'll take care of you.