AYAO Insurance - Kirkland Home and Auto Insurance Agency

Dependable local agents committed to
being there for you

(425) 822-1212

Dependable Coverage

Highly Rated Service

Professional Agents

Homeowners Insurance | Kirkland, WA

Our team is dedicated to provide responsive service and will always pick up your phone calls and promptly return your emails. We are not here to just sell you a policy - we will be there for you when you need us. 

As a resident of Eastside for more than 20 years, I care deeply about our community. I am very fortunate to have my insurance agency in Kirkland and I am committed to be part of this wonderful town. I sincerely appreciate the continuing trust in my agency and I will always maintain the highest integrity and provide honest and helpful information.

See what our customers have to say about our highly-rated service:

  • When my car was totaled in a hit and run I was overwhelmed. Alice promptly responded to my questions as my quote was handled, and through the process of buying a new vehicle, making an incredibly frustrating event much easier to handle.
  • Alice is the best insurance agent I have had to date. She is extremely professional and responsive to emails and calls even on the weekend. Occasionally things do slip through the cracks with all of the moving parts at Allstate as a whole, but whenever there is a problem, Alice always takes care of it promptly.
  • Alice and her team has been very helpful with my home-owner insurance claim and car insurance claim. They follow up almost immediately and check claim status for you on regular basis. Thank you and your team for all the help!

Reliable insurance is what matters the most when you need to make a claim. Nobody wants to pay more for home insurance but it's also important to know that your insurance agents will be there for you when you need them. 

Alice Yao has been a license insurance agent helping local households for their insurance needs since 2007 and she understands the importance of dependable service especially during a claim process.  

Alice and her team of experienced agents will be there every step of the way and help you to navigate through the claim process. With more than a decade of experience as trusted agents, we will assure you the peace of mind that you deserve.

Home Insurance Kirkland WA

Kirkland, Washington - One of the Best Small Cities In America!

According to a recent study by WalletHub, amongsts 1,268 small cities with populations between 25,000 and 100,000, Kirkland is ranked in the top 2% (98 percentile) best small cities. 

Here are the categories and the ranking used in the methodology. 

Category Ranking
Affordability 627
Economic Health 50
Education & Health 23
Quality of Life 161
Safety Rank 328


Kirkland is not the only highly ranked city in the Eastside:

  • Sammamish: 99 percentile
  • Redmond: 99 percentile
  • Bothell: 98 percentile
  • Issaquah: 96 percentile

More information about methodology and where other small cities are ranked: Best Small Cities in America.

Top Homeowners Insurance Companies in Kirkland

According to the 2019 annual report published by the Office of the Insurance Commissioner in Washington State, the top five homeowners insurance companies in market share are: 

  1. State Farm - 16.8%
  2. Safeco - 10.1%
  3. PEMCO - 6.2%
  4. Allstate - 3.9%
  5. USAA - 3.8%

Top homeowners insurance companies in the country in market share, 2019:

  1. State Farm - 18%
  2. Allstate - 8.4%
  3. USAA - 6.6%
  4. Liberty Mutual - 6.5%
  5. Farmers - 5.7%

Source: III.org: Facts + Statistics: Homeowners and renters insurance

Here at AYAO Insurance, we proudly represent Allstate, a trusted national-brand that stands behind its promise to help protect what's most important to our customers and their family.

Insurance 101: Home insurance coverages

Dwelling coverage: 

Dwelling includes the main structure of your home and other structures that are attached to it. Common examples of structures attached to a home are attached garage, roof, chimney, and backyard deck. 

Other structures coverage: 

Beyond your dwelling, there may be other buildings or structures within your property. Most common examples of these structures are fence, shop, detached garage, and storage shack. 

Personal liability coverage: 

Personal liability coverage protects you, the homeowner, in the event of an accident inside or outside of your home. The coverage provides financial protection for lawsuits relating to the accident, injury to the individuals, and property damage as result of the accident. 

Learn more about homeowners insurance.

Tips and Resources for Kirkland

If you are new to Kirkland, here are some local resources that may help you.

Real Estate Agent

A great real estate agent is very attentive to details, understands the local market, and most importantly, passionate in helping people. 

We have worked with many great real estate agents in our area and here in Kirkland, we recommend Vanessa Morss, a real estate broker with Realogics Sotheby's International Realty in Downtown Kirkland.

Vanessa Morss
15 Lake Street #200
Kirkland, WA, 98033
(206) 853-3491

Lunch On Us

Mention this recommendation when you call for a quote and we will give you a $20 gift card to enjoy a nice lunch around town on us. We encourage everyone to support our local small businesses!

Is AYAO Insurance Near Me?

Our office is located conveniently in the Totem Lake area. 

If you are coming from Downtown Kirkland

  • Take I-405 N from NE 85th St ramp toward Everett
  • Continue on for about 2 miles and take exit 20B for NE 124th St
  • After exit, turn right onto NE 124th St
  • Continue for about 1/2 mile
  • On your left, you will see Kitanda Espresso and Kirkland Fireplace
  • Pull into the plaza and drive parallel to 124th
  • Our office is right next to Kirkland Fireplace

If you are coming from Rose Hill area

  • Turn onto 124th Ave NE going north toward Firloch and Totem Lake
  • Keep going past Ford of Kirkland
  • Turn right onto NE 124th St
  • On your left, you will see Kitanda Espresso and Kirkland Fireplace
  • Pull into the plaza and drive parallel to 124th
  • Our office is right next to Kirkland Fireplace