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Edmonds, WA is a scenic city on the shores of Puget Sound. Known for its vibrant arts community, picturesque views, and diverse neighborhoods, Edmonds is home to a unique real estate market. This article will provide an in-depth analysis of the home insurance rates in the city, exploring the top competitors, quotes, rates, agents, and factors that affect insurance pricing.

Top Competitors

1. State Farm

  • Quotes: Starting at $750 annually.

  • Coverage: Includes basic coverages with options for adding earthquake and flood coverage.

2. Allstate

  • Quotes: Ranging from $700 to $950 annually.

  • Coverage: Known for its wide variety of customizable coverage options.

3. Liberty Mutual

  • Quotes: Average of $800 annually.

  • Coverage: Offers standard policies with potential discounts for multiple policy bundling.

4. Farmers Insurance

  • Quotes: Starting around $720 annually.

  • Coverage: Provides specialized coverages tailored to individual needs.

Quotes, Rates & Agents


  • Online Quotation Tools: Many providers have online tools that give quick quotes based on general information.

  • In-Person Consultations: For a more tailored approach, local agents can provide personalized quotes.


  • Variability: Edmonds' rates are influenced by various factors, leading to a broad range of premiums.

  • Negotiation: Working with a skilled agent can potentially negotiate better rates.


  • Expertise: Edmonds has a network of experienced agents who understand the local market.

  • Personalized Assistance: They provide personalized assistance to understand individual needs and preferences.

Factors Influencing Insurance Rates

  • Proximity to Water: The location near Puget Sound can affect rates due to higher flood and storm risks.

  • Building Materials: The type of materials used in construction and the age of the home can influence premiums.
  • Local Crime Rates: Neighborhoods with lower crime rates may enjoy reduced premiums.
  • Credit Scores: An individual's credit score can impact the rates offered by insurers.
  • Deductible Choices: The level of deductible chosen will directly influence the annual premium.
  • Additional Coverage: Adding optional coverages like earthquake insurance can increase the cost.

A Comprehensive Approach

  • Understanding Local Risks: Edmonds' unique location and weather patterns require specialized insurance considerations.

  • Leveraging Local Agents: Local agents' expertise can be invaluable in finding the right coverage at the best rate.
  • Regular Review and Comparison: Regularly reviewing and comparing quotes can ensure continuous alignment with personal needs and market trends.
  • Exploring Discounts: Many companies offer discounts for safety features, loyalty, or multiple policy bundles.

Edmonds, WA presents a distinct landscape for home insurance rates, shaped by its unique geographical location, architectural diversity, and local economy. Understanding these factors and actively engaging with industry experts can lead homeowners to the right policy tailored to their individual needs and local conditions.

From the ground up, the complexities of Edmonds' home insurance market can be understood, allowing residents to make informed decisions that ensure optimal coverage in this beautiful coastal city. Whether you're a new homeowner or looking to reassess your current policy, this guide provides the tools necessary to navigate the home insurance landscape in Edmonds, WA.