Sarah Johnson
Home Insurance for Olympia Homeowners: Local Experts, Real Protection
Coverage for Every Olympia Home—Historic to New Builds
From Craftsman homes in South Capitol to modern builds in Tumwater, Olympia homeowners need insurance that fits their unique properties and risks. Our team at Phillipps Insurance understands Olympia’s mix of historic charm and new construction, and helps everyone—from government employees to university staff to families—get tailored coverage.
Bundle your
home
and
auto insurance for extra savings, or see how
renters insurance can protect your apartment or condo.
Olympia Risks—Rain, Wind, and Earthquakes
Living in Olympia means facing heavy rainfall, windstorms, fallen trees, and even the risk of earthquakes. Standard homeowners policies cover most weather-related damage—but floods and earthquakes require special add-ons. We help you understand what’s included, and can add flood or earthquake insurance so you’re fully protected no matter the forecast.
Have a business or side hustle at home? Ask about adding
business insurance for extra peace of mind.
Why Choose Phillipps Insurance for Salem Car Insurance?
Unlike national brands or single-carrier agencies, Phillipps compares multiple Oregon insurers to get you better rates and custom coverage—often saving Salem drivers up to 20% when they switch. Everything can be done online or by phone, with fast e-signatures and digital proof of insurance. Whether you need coverage for a family car, student driver, or want to add umbrella protection, our process is quick, convenient, and designed for your busy life.
Have a business or extra vehicles in Oregon? Ask about business insurance and RV insurance—one agency, every policy.
Get More, Pay Less—Smart Discounts for Olympia Homes
Homes in Olympia with new roofs, alarm systems, or modern plumbing may qualify for special discounts. As an independent agency, we shop multiple carriers to find you the best rates for homes in Olympia, Lacey, Tumwater, and beyond—so you get maximum protection without overpaying.
Frequently Asked Questions—Olympia Home Insurance
Do I need flood insurance in Olympia?
Heavy rain can lead to flooding, even outside designated flood zones. Flood insurance is a separate policy, and we’ll help you decide if it’s right for your location.
Is earthquake insurance worth it in Olympia?
Olympia is near the Cascadia fault, and standard policies don’t cover quakes. Adding earthquake insurance gives you peace of mind if the big one hits.
What factors affect home insurance rates here?
Age of home, roof type, security features, and proximity to fire stations all matter. We’ll review everything to maximize your savings.
Can you insure my waterfront property?
Yes, though coastal and waterfront homes may have special requirements. We’ll guide you through your options.
How do I lower my premium?
Raise your deductible, install alarms, or bundle with auto or umbrella insurance. We’ll make sure you get every local discount.
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For complete protection, ask about umbrella insurance to expand your liability coverage.