The New way we're writing Homeowners Insurance

The New Reality of Homeowners Insurance in Washington & Idaho

What You Need to Know 

Homeowners in Washington and Idaho are waking up to a new reality: homeowners insurance is getting harder to find—and more expensive when you do.

Over the past 18 months, major insurance carriers have pulled back or outright paused writing new business in both states. Why? A mix of rising claim costs, inflation, increased fire and weather risks, and—most importantly—a tightening grip on underwriting guidelines.

But that doesn’t mean you’re out of options. It just means you need a smarter game plan.

What’s Really Happening?

The old way of writing home insurance—just quoting your address and getting a dozen offers in minutes—is dead.

Here’s what’s changed:

✅ Carriers are limiting new policies unless the home meets very specific criteria (roof age, heating type, wildfire score, etc.)

✅ Many national insurers have paused new business in high-risk ZIP codes

✅ Premiums are rising fast, even for long-time policyholders

✅ Inspections are stricter, especially for older homes or rural properties

✅ Bundling is now almost mandatory to access the best rates

How Independent Agents Are Adapting

If you’re with a local, independent agency—good. You’ve got a fighting chance.

Agents now have to:

Pre-screen properties based on underwriting scorecards

Package home + auto together to unlock carrier availability

Tap into regional carriers and surplus lines options

Move fast when quoting—because appetites change monthly

Use advanced quoting tools and automation to compare in real time

This isn’t a “set it and forget it” industry anymore. Every quote is a strategy play.

What Homeowners Should Do Next

If you're buying a home, moving, or just curious if your current policy will hold up—it’s time to talk to someone who’s in the trenches.

Here’s what we recommend:

Don’t wait until closing to shop for insurance

Bundle your policies—auto, home, umbrella—to stay insurable

Work with an agent who understands today’s market (not last year’s)

Be flexible—sometimes one endorsement or inspection can make or break a policy

Final Word

This market is tough—but we’re tougher. At Ben Volk Insurance, we’ve built a system that helps homeowners in Washington and Idaho navigate this new environment. We quote fast, communicate clearly, and fight to keep you covered—no matter how the rules shift.

\If you’re buying, renewing, or just want a second opinion, we’re ready.