Bellevue

About Bellevue

Insurance in Bellevue, WA

Formerly known as Gunning & Associates and Fletcher Nance & Associates.

Inszone writes insurance in Bellevue, WA for families and businesses across the Eastside, greater Seattle and the rest of Washington. Bellevue stretches from Lake Washington to Lake Sammamish, with the downtown towers on one side of I-405 and the Spring District taking shape along the 2 Line light rail on the other, and our office sits on Northeast 24th Street on the city’s east side.

Clients who know this office as Gunning & Associates or Fletcher Nance & Associates will find the same team here, now part of Inszone. The two agencies date back to 1989 and 1995 and have worked under one roof since 2000, with a book of business built largely on referrals and on knowing clients personally.

As an independent insurance broker in Bellevue, the team represents more than one carrier, and joining Inszone has widened that list, so an Insurance Specialist can compare markets for a household or a business at each renewal. We also work with clients in nearby Kirkland, Redmond and Issaquah.

Buy your insurance in Bellevue, WA!

Personal Insurance in Bellevue, WA

Washington requires liability limits of at least $25,000 per person, $50,000 per accident and $10,000 for property damage, and that is where car insurance in Bellevue, WA starts. Insurers must offer personal injury protection and uninsured and underinsured motorist coverage, which can only be declined in writing, and an Insurance Specialist can check what a current policy includes.

Earthquake is the gap that comes up most with home insurance in Bellevue. A standard Washington homeowners policy excludes it, so it is written as a separate policy, usually with a deductible set as a percentage of the home’s insured value, and flood and landslide are excluded as well. With the lakes on either side of town, boats, docks and waterfront homes raise their own questions, and an Insurance Specialist can go through each one on a quote.

Downtown’s high-rise condos come with a master policy for the building, but the unit’s interior, the owner’s belongings and a share of a large deductible or special assessment often fall to the owner, which is where a condo policy may help. Close to the light rail and the job centers, many households rent, and renters insurance in Bellevue is quoted here alongside landlord policies for owners of a rental or two.

The office also writes umbrella liability and life insurance, along with motorcycles, classic cars, RVs, ATVs and other recreational vehicles. Owners of higher-value homes can ask about extended replacement cost and scheduled jewelry, art and collections.

Business Insurance in Bellevue, WA

Small and mid-sized businesses across the Eastside work with this office, from professional offices and retailers to contractors on the new construction around the Spring District and the BelRed corridor. General liability, commercial property and a business owner’s policy are the usual starting points, with commercial auto, commercial umbrella and surety bonds added as the business needs them.

Workers’ compensation works differently in Washington. Coverage comes from the Department of Labor and Industries rather than private insurers, and L&I does not include employer’s liability, so stop-gap coverage is placed alongside it. Employees who work in other states raise a separate question, and an Insurance Specialist can go through how the rules apply to your business.

Inszone Insurance agency near me

Stop in at our Northeast 24th Street office, call the number in the contact details on this page, or use the quote form. You will keep working with the same local team after the policy is in place, now backed by the carriers and resources of a national brokerage.

We work with households and businesses across Bellevue and the Eastside. Clients closer to the Issaquah Highlands can also reach our Issaquah office, and clients across the lake our Seattle office.

Get your free insurance quote in Bellevue, WA!

FAQs

Is this the same office as Gunning & Associates and Fletcher Nance & Associates?

Yes. Gunning & Associates and Fletcher Nance & Associates are now part of Inszone Insurance Services, with the same team working from the same Bellevue office. The team can go through your current policies whenever you are ready.

What does an independent insurance broker do?

An independent broker represents more than one insurance company, so it can compare coverage options and pricing from several carriers instead of offering a single company’s policies. Our Insurance Specialists compare those options for each household or business and stay with the account after the policy is placed.

What car insurance do I need to drive in Bellevue?

Washington requires liability limits of at least $25,000 per person, $50,000 per accident and $10,000 for property damage. Insurers must also offer personal injury protection and uninsured and underinsured motorist coverage, and those can only be declined in writing. An Insurance Specialist can check whether a current policy declined them.

Does a Washington homeowners policy include earthquake damage?

A standard Washington homeowners policy excludes earthquake, so it is written as a separate policy, usually with a deductible set as a percentage of the home’s insured value. Flood and landslide are excluded as well. An Insurance Specialist can quote earthquake coverage alongside a homeowners policy so you can compare the options.

Does my condo association’s master policy include my unit?

Only in part. The association’s master policy is written for the building and common areas, and how much of the unit it includes depends on the association’s documents. Belongings and personal liability are generally the owner’s responsibility, and a condo policy may also include coverage for a share of a special assessment. An Insurance Specialist can read the master policy with you before you choose limits.

Does my Bellevue business need workers’ compensation insurance?

Washington requires workers’ compensation from the first employee, and it comes from the Department of Labor and Industries rather than private insurers, unless a business qualifies to self-insure. L&I does not provide employer’s liability, so stop-gap coverage is placed alongside it, and employees working outside Washington need separate coverage. An Insurance Specialist can confirm how the rules apply to your business.