Redmond, Washington
Homeowners Insurance in Redmond
A Redmond homeowners policy should insure the cost to rebuild your house, not its market price, and the standard policy leaves out earthquake and flood. As an independent agency a short drive from Redmond, we quote the same coverage with several carriers, show you each price side by side and explain which add-ons matter for your home.
Updated for 2026 · Served from our Kirkland office · English · Русский
Rebuild cost, not the price you paid
Dwelling coverage pays to rebuild the house after a covered loss. In Redmond much of what a home sells for is the land, which does not burn, so the right limit is the construction cost of your square footage, finishes and garage, not the purchase price or the tax assessment. We estimate it with the carrier's replacement cost tool, and we look at extended replacement cost, which adds a cushion if building prices jump after a regional event. Check the limit again after a remodel: a new kitchen or a finished basement raises the cost to rebuild.
Earthquake is a separate decision
Standard homeowners policies exclude earthquake damage. In the Puget Sound region that is a real risk, so we quote earthquake coverage as an endorsement or a separate policy and explain how its deductible works: it is a percentage of the dwelling limit, not a flat amount, which makes the out-of-pocket share larger than most people expect. Some households take it, some do not; you decide with the actual price in front of you.
Flood, water backup and burst pipes
Flood is excluded from every standard policy. Homes near the Sammamish River, Bear Creek or the north end of Lake Sammamish should at least price a flood policy through the National Flood Insurance Program or a private carrier, and NFIP policies generally take effect 30 days after purchase, so it cannot be bought when the river is already rising. Sewer and drain backup is a different gap: it is also excluded unless you add a water backup endorsement, which costs little. A sudden burst pipe is normally covered; slow leaks and seepage are not.
Condos and townhomes in Downtown Redmond and Overlake
If you own a condo, the HOA master policy covers the building and you need an HO-6 for the rest: your interior finishes and improvements, your belongings, liability and loss assessment coverage for the case when the association bills owners after a large claim. Read the master policy's deductible, because owners are often charged part of it. We read the HOA documents with you and size the HO-6 to what the association does not cover.
Buying a home in Redmond
Your lender will want proof of homeowners insurance before closing. Send us the address, the inspection report and the closing date, and we quote several carriers and send the evidence of insurance to the lender and escrow so closing is not delayed. Roof age, the heating system and prior claims on the house affect the price, so the inspection details give you a more accurate quote than an online form.
Bundling and getting a Redmond quote
Combining home and auto with one carrier is usually the largest discount available, and an umbrella policy is cheapest when both are with the same company. We quote the bundle and the separate policies and show you which wins for your household. Call (425) 610-6909 or send the quote form; our office is in Kirkland, close to Redmond, and our agents speak English and Russian.
Other coverage in Redmond
Homeowners Insurance in nearby cities
Google reviews
What clients say about their homeowners insurance.
When I called the Absolute Insurance Solutions I was in search for cheaper rates with my home and car insurance. I called, Irina and Boris at Absolute Insurance Solutions for assistance. Within an hour I had the coverage I needed for my auto and mortgage. Fast, accurate, and very affordable insurance. …
Arnold T. Outstanding Service and Great Prices! I’ve been working with Absolute Insurance Solutions for both my business and personal insurance needs, and I couldn’t be happier. They provided me with incredible rates, not only for my business insurance but also for my personal vehicles and home. …
Peter M. I am extremely satisfied with Absolute Insurance Solutions for my car insurance needs. Not only do they offer the best prices, but their customer service is truly exceptional. …
Елена М.
FAQ
Homeowners Insurance in Redmond: your questions.
How much does homeowners insurance cost in Redmond, WA?
Does homeowners insurance in Redmond cover earthquakes?
Do I need flood insurance in Redmond?
Can you insure a condo or townhome in Redmond?
Homeowners Insurance in Redmond, quoted by a local agent.
Call us or fill in the quote form. A local agent will come back with prices from several carriers.