InsureOne Insurance in Bellingham, WA 98225
1414 Broadway, Bellingham, Washington, 98225
Landmark: Near Elizabeth Park across from the Slavic Baptist Church
360-686-6186
More Products and Services
Located at 1414 Broadway, Suite C, our Bellingham office serves homeowners, families, and business owners in Columbia, Cornwall Park, Sunnyland, downtown, and other nearby communities. Our local insurance professionals can help you compare coverage for your home, vehicles, business, and other needs from multiple trusted carriers. We’ll take the time to understand what you want to protect and help you sort through your options. Service is available in English and Spanish, with street parking nearby.
Insurance Coverage Tailored to Your Needs
Life isn't one-size-fits-all, and neither are your insurance needs. The right amount of insurance depends on the type of property you own or rent, the vehicles you drive, the number of people in your family, and the type of business you operate. Our local experts can review your situation, request quotes from multiple insurers, and help you choose the right combination of coverage.
Homeowners Insurance
Homeowners insurance can help protect your home, belongings, and liability after a covered loss. In Bellingham, heavy rain, wind, and winter weather can make roof condition, rebuilding costs, deductibles, and coverage limits important to review. Standard homeowners policies typically do not cover flooding, so separate flood insurance may be worth considering depending on your property.
Business Insurance
Business insurance can help protect your business from covered property losses, liability claims, interruptions, and other day-to-day risks. Coverage needs in Bellingham can vary depending on the type of business, the space and equipment you use, your employees, customer traffic, and any business vehicles. An advisor can help you compare policies based on how your business operates.
Auto Insurance
Auto insurance can help cover injuries and property damage you cause to others in an accident. Depending on the coverage you choose, it may also help pay for damage to your own vehicle after a covered loss. Whether you regularly drive on I-5, Northwest Avenue, or Samish Way, our agents can help you compare coverage based on how and where you drive.
Renters Insurance
Renters insurance can help protect your belongings, provide personal liability coverage, and help with certain additional expenses after a covered loss. If you rent in Sehome, Happy Valley, or elsewhere in Bellingham, our agents can help you choose coverage based on the value of your belongings and your individual needs.
Landlord Insurance
Landlord insurance can help protect a property you own and rent to tenants. Depending on the policy, coverage may include the building, appliances and other items you provide, liability, and lost rental income after a covered loss. Our agents can help you compare options based on the property and how it is used.
Umbrella Insurance
Umbrella insurance goes beyond the limits of standard home, auto, renters, and watercraft policies, giving you extra liability protection. You may want to add umbrella coverage if you own a rental property, have significant assets, frequently invite guests into your home, or have additional liability concerns.
Commercial Auto Insurance
Commercial auto insurance can help protect vehicles used for deliveries, service calls, job-site visits, and other business travel. Coverage options may include liability and physical damage, depending on the policy and how the vehicle is used. Whether your business takes you through Bellingham or across Whatcom County, our agents can help you compare coverage based on your vehicles and day-to-day operations.
Classic & Collector Car Insurance
Classic and collector car insurance can help protect eligible antique, restored, limited-production, and collector vehicles. Coverage may be based on an agreed or stated value and can vary depending on the vehicle’s age, condition, mileage, storage, and use. A local advisor can help you compare carrier requirements, coverage limits, deductibles, and other available options.
Boat Insurance
Boat insurance can help cover physical damage to your boat, liability if you injure someone or damage their property, and certain medical expenses after a covered accident. If you keep a boat in Bellingham Bay, our agents can help you compare coverage based on the type of boat you own, how you use it, and where it is stored. Additional options may include coverage for personal belongings and towing.
Motorcycle Insurance
Motorcycle insurance can help cover liability after an accident, along with certain losses related to theft, vandalism, and damage to your bike. If you ride on Mount Baker Highway, SR-539, or other local roads, our agents can help you compare coverage based on your motorcycle, accessories, and how often you ride.
RV Insurance
RV insurance can help protect eligible travel trailers and motorhomes. Available coverage may include liability, physical damage, roadside assistance, emergency expenses, and personal belongings. A local advisor can help you compare options based on the type of RV you own, how often you use it, where you store it, and whether you travel seasonally or take longer trips.
Your Total Insurance Concierge
Why Customers Choose InsureOne
Price is important, but it is not the only thing to consider when choosing insurance. Coverage limits, deductibles, exclusions, and carrier differences can all affect how a policy works for you. Our Bellingham team can help you compare options from multiple trusted carriers and choose coverage that fits your needs and budget.
Compare Coverage From Trusted Insurance Carriers
InsureOne has relationships with multiple carriers, allowing you to compare coverage based on policy limits, deductibles, and optional protections. A side-by-side comparison makes it easier to find a policy that fits your property, business activities, vehicles, and financial situation.
Personalized Insurance Guidance
Every household and business has different insurance needs. Our agents take the time to understand what you want to protect, how you use your property and vehicles, and what coverage matters most to you. From there, we can help you compare options that fit your needs and budget.
Local Insurance Knowledge You Can Trust
Bellingham’s coastal setting, heavy rain, winter weather, and traffic on I-5 and local streets can all affect your insurance needs. Our local professionals understand these conditions and can help you compare coverage for your home, vehicles, or business based on your specific situation.
Protection for Every Stage of Life
Insurance needs can change over time. Buying your first home, starting a business, adding a teen driver, or purchasing a classic car can all affect the coverage you need. Our local agents can help you review your policies and make updates as your household, vehicles, property, or business changes.
Ongoing Insurance Reviews
The policy you bought a few years ago may not fit your needs today. Home renovations, buying a boat, adding a vehicle, or other life changes can affect your coverage. Our Broadway team can help you review your policies, answer questions, compare available options, and make updates when needed.
Ready to Get a Quick Quote?
Understanding Insurance Coverage Options
Insurance terms can vary by company and policy. Here’s a quick look at some common coverage types and what they may include. Our local agents can also explain important limits, deductibles, and exclusions so you can better understand your options.
| Coverage Type | What It Generally Helps Cover | Commonly Available? |
|---|---|---|
| Liability Coverage | Damage, injuries, or legal liability for others when you are responsible for a covered loss | Yes |
| Property Coverage | Damage to a home, business, vehicle, or personal property from covered events | Yes |
| Collision Coverage | Damage to your vehicle after a covered collision | Optional |
| Comprehensive Coverage | Theft, vandalism, hail, fire, falling objects, and other covered non-collision losses | Optional |
| Personal Liability | Financial protection if you are responsible for injuries or property damage to others | Optional / Included with many home policies |
| Umbrella Insurance | Additional liability protection beyond the limits of eligible underlying policies | Optional |
| Flood Insurance | Damage caused by flooding, which standard homeowners and renters policies typically exclude | Optional |
| Commercial Property Coverage | Business buildings, equipment, inventory, and other covered business assets | Optional |
Bundle Your Insurance for More Complete Protection
Bundling multiple policies through one agency may qualify you for a multi-policy discount, depending on the carrier and policy combination. We can help you compare available options and review your coverage together so you can see how your policies fit your needs and budget.
Home & Auto Insurance
Home and auto are two policies that may be eligible for a multi-policy discount when placed with the same carrier. We can help you compare bundled and separate options to see which combination offers the coverage and pricing that work best for you.
Business Insurance Packages
If you run a business in Bellingham, you may need several types of coverage, including commercial auto insurance, general liability, and commercial property. Depending on your business, coverage for equipment, lost income, or other risks may also be available. We can help you compare options based on how your business operates.
Personal Insurance Portfolio
Your home may not be the only thing you need to insure. Classic cars, travel trailers, motorcycles, boats, and other property can all come with different coverage needs. Our agents can help you review those policies together and make sure your coverage still fits what you own and how you use it.
One Trusted Insurance Advisor
Bundling policies can give you one local contact for questions about your coverage. Your advisor can help you review your policies, explain available options, and compare carriers when your needs change. Having that ongoing relationship can make future insurance decisions easier to manage.
Communities We Proudly Serve
From our Broadway location, we serve communities throughout Bellingham, including:
- Lettered Streets: A residential neighborhood located north of Downtown Bellingham
- City Center: The commercial and residential properties near Whatcom Museum, Mount Baker Theatre, and other downtown landmarks
- Sunnyland: A residential neighborhood east of the city
- Cornwall Park: Homes and businesses near St. Joseph Medical Center and Meridian St.
- Columbia: Known for retail shops, industrial spaces, and mixed-use buildings
- Sehome: A residential area near Western Washington University
- Fairhaven: The historic district on the south side of Bellingham
These are just a few of the communities we serve. InsureOne on Broadway works with homeowners, renters, and business owners throughout the Bellingham area.
How to Get to the InsureOne in Bellingham
From I-5
From I-5, take Exit 253 for Lakeway Drive and follow Lakeway as it becomes East Holly Street. Turn right onto Broadway and continue to 1414 Broadway. Street parking is available near the office.
From Downtown Bellingham
From downtown Bellingham, take West Holly Street toward Broadway. Turn right onto Broadway and continue to 1414 Broadway, Suite C. Use available street parking near the office.
From Western Washington University
From Western Washington University, use High Street and Billy Frank Jr. Street to reach East Holly Street. Turn left on East Holly, then right onto Broadway and continue to 1414 Broadway.
Talk With an InsureOne Insurance Advisor Today
Visit the InsureOne office at 1414 Broadway, Suite C, in Bellingham or call 800-836-2240 to review coverage for your home, business, vehicles, rental property, and other needs. Our local insurance professionals can help you compare options from multiple trusted carriers and explain important differences in coverage, limits, and deductibles.
You can also get a quote online to start exploring your options from home. Service is available in English and Spanish, with street parking nearby.
Insurance Questions We Hear Most
How Much Insurance Coverage Do I Need?
The amount of coverage you need depends on your home, vehicles, business, budget, and other individual factors. For auto insurance, options may include liability, collision, and comprehensive coverage, depending on your needs and whether your vehicle is financed or leased. Our local agents can help you review available limits and coverage options so you can choose what makes sense for your situation.
Can I Bundle My Insurance Policies?
In many cases, yes. Home, auto, motorcycle, classic car, renters, and business policies may be eligible for bundling, depending on the carrier and policy combination. Bundling may also qualify you for a multi-policy discount. Our agents can help you compare bundled and separate options to see what works best for your needs and budget.
What Information Do I Need for an Auto Insurance Quote?
For an auto insurance quote, you may need your driver’s license number, vehicle identification number (VIN), driving history, current coverage, and estimated annual mileage. Requirements vary by carrier, but having these details ready can make it easier to compare your options.
Why Work With a Local Insurance Agency?
A local insurance professional can take the time to understand your coverage needs and answer questions as they come up. Our Bellingham team is familiar with local traffic, coastal weather, and the needs of area homeowners and businesses. We can help you compare options from multiple carriers and understand how your home, auto, and business policies may work together.