FAQs

We offer a wide range of insurance products to help protect individuals, families, and businesses throughout Washington. Our personal coverage includes auto, home, renters, life, umbrella, flood, and earthquake insurance — all designed to protect what matters most. On the business side, we provide tailored solutions, including business owner policies, general liability coverage, commercial auto, and more.

Homeowner insurance rates in Washington are increasing, even for those with no reported claims, due to a combination of factors. Here are two of the major reasons.

1. Rising Claim Costs and Inflation: The cost of repairing or rebuilding homes has surged due to inflation, higher labor costs, and expensive building materials. According to the Washington State Standard, homeowner claim costs in Washington nearly doubled from $941 million in 2018 to $2 billion in 2023. This increase in claim severity forces insurers to raise premiums across the board to cover future payouts, even for policyholders without claims.

2. Wildfires and Climate-Related Risks: Washington’s increasing exposure to wildfires, particularly in areas like Spokane where fires destroyed over 350 homes in 2023, has driven up claim costs. Insurers adjust rates to account for heightened risks from climate-related disasters, such as wildfires, floods, and storms, which are becoming more frequent and severe. These adjustments affect all policyholders in the state, regardless of individual claim history, as insurers spread the risk.

Our agents are experts in customizing your policies to make your premiums manageable through all available discounts while ensuring you have the protections you need.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

Yes, we offer insurance options specifically designed for home-based businesses.

Your auto insurance policy may cover:

• damages to your vehicle

• liability for bodily injury or property damage, and

• other optional coverages such as roadside assistance

Factors that may affect your auto insurance premium include your age, driving record, location, type of vehicle, coverage options and annual mileage.

No. You do not need a new home appraisal during the renewal or coverage change process.

When setting up your policy, speak with your agent about any valuables you are concerned with. We will review your policy and recommend changes to ensure your valuables have proper coverage.

If you experience a loss, the first step is to contact us immediately — we’ll help guide you through the claims process and work with the insurance carrier on your behalf. You can reach our office by phone, text, or email, and we’ll be there to support you every step of the way.

The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. Our life insurance specialists can help you determine the appropriate amount of coverage.

As a local, Edmonds-based agency, we take pride in personalized service and thoughtful guidance. We take the time to understand your needs and help you find the right coverage at competitive rates, backed by trusted insurance carriers. Our team builds long-lasting relationships and is always available to answer questions or help with claims.

Getting a quote is simple! You can call or text us at (425) 889-8500, submit a request through our website, or stop by our office on Main Street in Edmonds. One of our local agents will guide you through the process and help tailor coverage.

Premiums depend on several factors including your location, the type of coverage you choose, your claims history, and the value of the assets you’re protecting. For auto insurance, driving record and vehicle type play a role, while home insurance takes into account construction type, age of the home, and local weather risks. Our agents will help explain what affects your rates and identify ways to save where possible.

Standard home or renters’ insurance usually does not include flood or earthquake damage. In Washington, where these risks can be significant, adding these coverages can protect you from costly out-of-pocket expenses after a natural disaster. We’ll review your location and need to determine what makes sense for you.

Absolutely. Even if you already have insurance, it’s smart to have your policies reviewed periodically — especially when you your life changes.  You could be getting married, have a child starting to drive, buying a home, starting a business, expanding a business, or investing in rental property. We’re happy to review your current coverage and suggest adjustments to ensure you’re properly protected.

We’re located at 111 Main Street, Suite 111 in Edmonds, WA. Our office hours are Monday–Thursday 8:30 AM–5:30 PM and Friday 9:00 AM–5:00 PM, with weekend appointments available by request. Feel free to stop by or call to schedule a consultation by calling or texting us at (425) 889-8500.

Yes. Salish Insurance Group works with a variety of reputable insurance carriers, which allows us to compare options and find coverage that best fits your needs and budget.

In many cases, yes. Bundling policies like home and auto insurance can often result in discounts and simplified billing. We’ll review your coverage options and let you know if bundling makes sense for your situation while ensuring you don’t sacrifice important protection.

We recommend reviewing your coverage at least once a year or anytime you experience a major life change. Events like purchasing a home, renovating, buying a new vehicle, adding a driver, starting a business, or welcoming a new family member can all impact your insurance needs.

Yes. We help small and mid-sized businesses protect their operations with customized coverage options. From general liability and commercial property to commercial auto, we’ll help identify risks and build a policy that supports your business as it grows.

Umbrella insurance provides an extra layer of liability protection beyond your standard home and vehicle policies. It can be an affordable way to protect your assets if you’re faced with a large claim or lawsuit. We’re happy to explain whether umbrella coverage is a good fit for you.

Absolutely. Buying your first home can feel overwhelming, and insurance shouldn’t add to the stress. We walk homeowners first through coverage options, explain what’s included (and what’s not), and help ensure you’re properly protected from day one.