Home Insurance In Kirkland, Washington

Experienced Local Agents Committed To Great Service

From experienced local insurance agents dedicated to being there for you.

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Highly Rated Service

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Responsive local agents in-person
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By | Last Updated: December 28th, 2020

Experienced homeowners insurance agency in Kirkland

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 and we will stand by 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.

  • 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!
  • Alice came highly recommended to me from a good friend of ours. So when my auto insurance was about to renew, I reached out to Alice to see if she could review my policy and helped me save some costs. She was so thorough in going over all the details of my policies with me and really took the time to explain how my coverages work. The quotes came out just about the same as my current (or I should say previous) policies but I decided to switch to Alice. I love how responsive and dedicated she is. I can see why my friend recommended Alice and I am a happy customer now!
  • The AYAO team is amazing! In the past five years I have had over 15 different cars and trucks ( could be more, I've lost track ) and at the current moment have 5 on my insurance plan, ( we love cars and big toys ). Along with my homeowners and renters plan the AYAO Team is ALWAYS available. Every time I need to make a change it just takes a quick moment on the app, email or call and I know I am covered. Keeping track of all our toys, cars and trucks coverage is easy with the Allstate App. Alice always works to keep my premiums as low as possible. Also, I have referred friends and family to the AYAO team and they couldn't be happier. Not only where the rates less the ease of use and the personal care the team gives, keeps us all with Alice and her team at Allstate. Thank, you Alice, you and your team are the best!!!! Smiles, Diana
5 out of 5 stars
Total Reviews : 13

Insurance with coverages that make sense

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 Washingtonians since 2007 and she understands the importance of dependable service especially during a claim process.  

Alice and her team of professional insurance 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 a trusted local homeowners insurance agent, we will assure you the peace of mind that you deserve.

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 home insurance companies in Kirkland and Washington state

According to the 2019 annual report published by the Office of the Insurance Commissioner in Washington State, the top five auto 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 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

Homeowners insurance losses by cause

Almost all of the homeowners insurance claims in the US fall under property damage. According to the Insurance Information Institute, in 2018, 98.1% of all homeowners insurance claims were property damage. 

Here is a breakdown of the cause of loss in homeowners insurance for 2018: 

Cause of loss Percent of loss incurred
Wind and hail 34.4%
Fire and lightning 32.7%
Water damage and freezing 23.8%
Theft 1.0%
All other property damage 6.2%
Liability - Bodily injury and property damage  1.8%
Liability - Medical payments and other 0.1%

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

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.

Helpful home insurance articles

AYAO Insurance LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. AYAO Insurance LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.