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Insurance agencies · Washington
Insurance Agencies in Lake Stevens, WA
Local agencies in Lake Stevens for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Lake Stevens
Lake Stevens has 40,253 residents in 13,773 households. We list 3 insurance agencies in Lake Stevens. Here is what the local numbers say about the cover people here need.
Lake Stevens at a glance
- 3insurance agencies listed
- 24.4%of households rentRenters insurance
- $635,600median home valueHome insurance
- 1997median year homes were builtRebuild cost calculator
- 2.6%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Snohomish County
FEMA rates the overall natural hazard risk in Snohomish County, where most Lake Stevens agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:
- Ice storm
- Earthquake
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance - Inland flooding
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance - Winter weather
- Lightning
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Washington
Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.
Car insurance rules in Washington
Washington requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in WashingtonHow much liability cover do you need?
Source: app.leg.wa.gov. Checked 2026-10-24.
Questions
Insurance agencies in Lake Stevens
How do I find an insurance agency in Lake Stevens?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Lake Stevens?
FEMA's National Risk Index rates inland flooding risk in Snohomish County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Lake Stevens?
24.4% of households in Lake Stevens rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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