Homeowners Insurance in Washington: Protecting Your Home and Peace of Mind

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Home Insurance Coverage Built for Washington & Oregon Homes

Whether you own a home in Chehalis, Olympia, Longview, Kelso, Albany, Corvallis, or anywhere in between, Phillipps Insurance helps protect you from the unpredictable. Our agency has insured homes across the region for over 30 years, offering guidance on wildfire smoke, heavy rain, windstorms, and even Mount St. Helens or Rainier earthquake risks. We understand that each home faces its own challenges, and our team makes sure your coverage actually fits your location, lifestyle, and concerns.

What Does a Standard Home Insurance Policy Cover in WA?

Phillipps Insurance Group helps you make sense of what’s included—and what’s not—so you’re never caught off-guard.

Most standard homeowners policies include:

  • Dwelling Coverage: Protects the physical structure of your home against risks like fire, wind, or hail.
  • Personal Property: Covers belongings inside your house, like furniture, electronics, and clothing, against covered losses.
  • Liability Protection: Pays if you’re legally responsible for injuries or property damage to others, whether inside or outside your home.
  • Additional Living Expenses: Helps pay for hotel or rental costs if your home becomes unlivable due to a covered event.

Add-On Options:

  • Earthquake Insurance (especially recommended near Mount St. Helens, Rainier, or the I-5 corridor)
  • Flood Insurance (essential if you live near rivers or low-lying areas—note: flood isn’t covered by standard policies)
  • Umbrella Liability, scheduled jewelry, water/sewer backup
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Local Risks, Real Advice—Are You Covered for Pacific Northwest Perils?

Standard home policies cover many common risks, but the Pacific Northwest throws in its own curveballs. Heavy rainfall can lead to flooding, while earthquake and landslide threats are real in areas from Olympia to Longview. Phillipps Insurance offers honest, practical advice on which endorsements and add-ons truly matter for your address, so you’re ready for anything.


If you’d like local details, learn more about home insurance in Olympia, Longview, Kelso, Albany, or Corvallis.

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Save With Discounts and Bundled Coverage

Home insurance doesn’t have to be expensive. Phillipps Insurance will search for every savings opportunity—whether it’s a bundled home and auto policy, new roof, security system, claim-free record, or smart-home devices. Ask us about multi-policy discounts and ways to get the protection you need without paying for what you don’t.

Trust Built Over 30 Years—Experience That Protects Your Home

Insuring homes across Washington and Oregon isn’t just our job—it’s our legacy. With 33+ years of experience, a 97% yearly renewal rate, and trusted partners like Safeco, Travelers, and Mutual of Enumclaw, Phillipps Insurance stands behind every homeowner we serve.

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Sarah Johnson

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Frequently Asked Questions About Homeowners Insurance in WA

  • What is the average cost of homeowners insurance in WA?

    Prices vary by location, home value, and features. We’ll compare options from multiple carriers to find the right balance of coverage and savings for your situation.

  • Does homeowners insurance cover roof leaks?

    Standard policies usually cover sudden and accidental leaks caused by storms, but won’t cover wear-and-tear or maintenance issues. We’ll explain exactly what’s covered when you call.

  • Can I get a discount for having a security system or new roof?

    Yes—upgrades like security systems, new roofs, and smoke detectors often qualify for premium savings. We’ll make sure every possible discount is applied.

  • If I work from home, do I need any special coverage?

    Sometimes. If you run a business or have special equipment, extra protection may be recommended. We’ll review your needs and guide you.

  • How do I file a home insurance claim with Phillipps?

    Just call our local office or your insurance carrier directly—our team will guide you step by step and advocate for you through the claims process.