Home & Renters Insurance in Toledo, WA

Insurance That Protects the Place You Call Home

Whether you own a house in Toledo or rent an apartment near the Cowlitz River, the right insurance gives you peace of mind. Life here comes with its own set of risks—from windstorms and heavy rain to the potential for earthquakes near Mount St. Helens. We understand those risks, because we live here too.



We help homeowners and renters across Lewis County protect what matters most. And when you call us, you’re talking to a neighbor—someone who’ll explain your coverage clearly, walk you through your options, and be here when you need us.

Protecting Your Home, Inside & Out

What does homeowners insurance actually cover?

Homeowners insurance protects more than just your house—it covers everything from your roof and walls to your personal belongings and personal liability. If your home is damaged by fire, wind, or other covered events, your policy helps pay for repairs or rebuilding. It can also cover hotel stays if you can’t stay in your home during repairs.


And because we live near the Cowlitz River and Mount St. Helens, we often talk with homeowners about optional coverages for flood and earthquake damage. These aren't included in standard policies—but we can help you add them if it makes sense for your property.

Coverage Highlights:


  • Dwelling Protection:
     Covers the structure of your home, including walls, roof, and attached fixtures.
  • Personal Property Coverage:
     Helps pay to replace belongings like furniture, clothing, and electronics.
  • Liability Protection:
     Covers you if someone is injured on your property or if you accidentally damage someone else’s.
  • Additional Living Expenses:
     Pays for hotel and meal costs if you need to live elsewhere during repairs.
  • Flood & Earthquake Options:
     We’ll help you explore FEMA flood policies and specialized earthquake coverage for our region.

Why Renters Insurance Still Matters

Even if you don’t own the building, your stuff still needs protection

If you're renting, your landlord's insurance only covers the structure—not your personal belongings. Renters insurance helps replace your things after fire, theft, or water damage. It also provides liability coverage in case someone gets hurt in your apartment.

Renters policies are affordable, often required by landlords, and incredibly helpful when something unexpected happens—like a kitchen fire or burst pipe.

Coverage Highlights:


  • Personal Belongings:
         Helps replace your furniture, clothing, electronics, and more.
  • Temporary Living Costs:
         Covers hotel stays and meals if your rental becomes unlivable after a covered event.
  • Liability Coverage:
     Protects you financially if you accidentally injure someone or cause property damage.
  • Optional Add-Ons:
         We’ll review extras like coverage for high-value items or identity theft.

Coverage That Fits Your Life—Not Just a Checklist

Custom options for homeowners, renters & everyone in between

Whether you’re protecting a home you own or the belongings inside a place you rent, we tailor your coverage to fit your lifestyle and budget. Our local agents take the time to walk you through deductibles, policy limits, and optional add-ons in plain language.


Whether you’re protecting a home you own or the belongings inside a place you rent, we tailor your coverage to fit your lifestyle and budget. Our local agents take the time to walk you through deductibles, policy limits, and optional add-ons in plain language.

Home & Renters Insurance Questions

What Local Residents Ask Us Most

Straightforward answers from local agents who live where you live

  • What’s the difference between homeowners and renters insurance?

    Homeowners covers the structure and everything inside it; renters covers your personal property and liability only, since you don’t own the building.

  • Does renters insurance cover my roommate’s stuff too?

    Usually not. Most policies cover only the named insured—your roommate should get their own policy for full protection.

  • Is flood insurance included in a home insurance policy?

     No. Flood insurance is a separate policy. We can help you access coverage through the National Flood Insurance Program if your property is near water or in a high-risk area.

  • Do I need earthquake insurance in Washington?

    Standard policies don’t include earthquake damage. In our region, it’s something to consider—especially near Mount St. Helens and the surrounding seismic zones.

  • How much home insurance do I need?

    Enough to rebuild your home at today’s construction prices. We’ll help you calculate that amount and review it regularly.

  • How much does renters insurance cost in Washington?

    Most renters policies are surprisingly affordable—many start under $20/month and can be bundled with auto insurance for savings.

Let’s Make Sure You’re Covered

Whether you own or rent, we’ll help you protect your space and the things inside it—without any guesswork.

Get a Free Home or Renters Insurance Quote