Federal Way

About Federal Way

Insurance in Federal Way, WA

Inszone writes insurance in Federal Way, WA from our office at 33301 1st Way S, Suite C130. The office is on 1st Way South near the St. Francis hospital campus, a few minutes from Celebration Park and the I-5 interchange at South 320th.

This office has been insuring South King County households since 1967, as Hart Insurance Agency in Federal Way. Fifty-eight years in one community is unusual in this business, and it is the reason a good share of the book here is second and third generation.

As an independent insurance agency in Federal Way, WA, we represent many carriers rather than one. When a renewal comes back higher than it should, or a carrier decides it no longer wants your risk, we have somewhere else to go. Washington has two dominant exposures — Cascadia Subduction Zone earthquake statewide, and wildfire east of the Cascades — and neither sits inside a standard homeowners policy unless it is added deliberately.

Buy your insurance in Federal Way, WA!

Personal Insurance in Federal Way, WA

Personal lines are the core of what we do here: homeowners, auto, renters, landlord and condo policies, personal umbrella liability, and specialty coverage for motorcycles, boats, RVs and collector vehicles.

Drivers comparing car insurance in Federal Way should know that Washington’s property damage minimum is $10,000 — low enough to be exceeded by a single newer vehicle in a parking-lot collision. Personal injury protection and uninsured/underinsured motorist coverage must both be offered to you and can only be declined in writing, so the first thing we check on an existing policy is whether a previous agent had them declined.

Earthquake is the coverage conversation that matters most in this part of the state, and the one most households have never had. It is excluded from every standard homeowners policy, written separately, and carries a percentage deductible rather than a flat one. Washington take-up is very low relative to the Cascadia hazard and the Seattle Fault, which run underneath a region where most housing stock was built before current seismic codes. We will price it so you can at least see the number before deciding.

Flood and landslide are excluded as well, and on the Puget Sound waterfront both are worth pricing rather than assuming. Boats and watercraft are a steady part of the book here for the same reason.

On the property side generally, our insurance agents in Federal Way read your current declarations page before quoting so the comparison is a real one rather than a cosmetic price difference.

Business Insurance in Federal Way, WA

We insure Federal Way businesses across general liability, commercial property, business owner’s policies, commercial auto and fleet, cyber liability, employment practices liability, professional liability and bonds.

Workers’ compensation works differently in this state and it catches out most employers moving here. Washington is a monopolistic state fund state, which means you cannot buy workers’ compensation from a private carrier at all — coverage comes from the Department of Labor and Industries, or through self-insurance if you hold at least $25 million in assets and an approved accident prevention program.

What our insurance in Federal Way, WA, places alongside it is the part L&I does not provide: stop-gap employers liability, which answers the employer-liability suits workers’ compensation itself does not, plus USL&H for maritime and dock work and out-of-state coverage for employees working across state lines. If you have staff crossing into Oregon or Idaho, that last one is the gap we find most often.

Contractors, restaurants, retail, trucking, marine trades, manufacturing, healthcare and professional services are all lines we write regularly, and certificates of insurance and additional insured endorsements are turned around quickly because that is usually what is holding up a job.

Inszone Insurance agency near me

Our Federal Way insurance office is open Monday to Friday, 8:00am to 4:00pm, with weekends by appointment. Call 253-838-1301, use the quote form on this page, or stop by 33301 1st Way S, Suite C130.

From here we also work with clients in Auburn, Kent, Des Moines, Milton and across South King County. Whether you are comparing a home renewal, insuring a first vehicle, pricing earthquake coverage for the first time, or sorting out stop-gap liability for a growing payroll, our insurance specialists can talk you through the options available for your situation.

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FAQs

What are the minimum auto insurance requirements in Washington?

Washington requires liability limits of at least $25,000 per person, $50,000 per accident, and $10,000 for property damage. That $10,000 property damage minimum is low enough to be exceeded by a single newer vehicle. Personal injury protection and uninsured/underinsured motorist coverage must both be offered and can only be declined in writing.

Is earthquake covered by my Washington homeowners policy?

No. Earthquake is excluded from the standard homeowners policy and requires a separate policy with a percentage deductible — and Washington take-up is very low relative to the Cascadia hazard. Flood and landslide are excluded as well. On the wildfire side, carriers must give 60 days notice of non-renewal, and the state’s insurance regulator points to defensible space measures like a five-foot noncombustible zone and ten feet of branch clearance as the practical steps that preserve your options.

Does my Federal Way business need workers’ compensation insurance?

Yes, from the first worker — but Washington is a monopolistic state fund state, which means you cannot buy workers’ compensation from a private carrier here. Coverage comes from the Department of Labor and Industries, or through self-insurance if you hold at least $25 million in assets and an approved accident prevention program. What we do place alongside it is stop-gap employers liability, which L&I does not provide, plus USL&H and out-of-state coverage for employees working across state lines.

Is this the same office that was Hart Insurance Agency?

Yes. Hart Insurance Agency has been in Federal Way since 1967, joined Inszone Insurance, and continues from the same suite on 1st Way South with the same local team. Policies carried over. Several unrelated agencies around the country trade under the Hart name, and The Hartford is a different company again — if you are looking for the Federal Way office, this is it.

How do I get a quote from your Federal Way insurance office?

Call our Federal Way office at 253-838-1301, use the quote form on this page, or stop by 33301 1st Way S, Suite C130. It speeds things up if you have your current declarations page handy — for business coverage, your annual revenue, payroll by job class and loss runs for the last three to five years. If you have a non-renewal or cancellation notice, bring it; the date on it changes what options we have.