About | Washington State—Trusted Earthquake & Flood Insurance Providers
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Earthquake insurance is separately endorsed and can be purchased alongside your standard homeowners/renters policy. This coverage typically excludes damage from floods and tidal waves—even when the flood is related to the earthquake.
Flood insurance is another separate policy offered by many providers. They are specifically designed to protect your home, building contents, and belongings in the event of a flood.
Let our professional agents and brokers help you find the right policy at affordable premiums. We serve the State of Washington, Seattle, Tacoma and the entire Puget Sound. Call Today 206-759-2566 for a quote and save money!
We are happy to serve you!
20 Plus Carriers
Multiple Insurance Carriers & Markets
Having the options to shop the insurance market helps our clients save precious premiums while providing the absolute best coverage available.
50 Years Of Experience
Combined Office Experience Of Over 50 years
With over 50 years of insurance experience. Our office of experienced agents and brokers can help solve your insurance problems.
Business Insurance Experts
We Specialize With Family Owned Business
Small business is truly the lifeblood of this great country and our State. But we have the capacity to work with the largest business's in the State as well. Ask us to design a robust safety protocol for your business.
Flood & Earthquake Insurance Specialists
Call Today For A Quick Quote On All Your Insurance Needs. We Can Help With The Following.
Earthquake Insurance
Flood Insurance
Condominium Insurance
Homeowners Insurance
Renters Insurance
News & Blogs
Term vs Whole Life Insurance in Boise | 2026 Comparison
Choosing between term life and whole life insurance is one of the biggest decisions Boise residents face when shopping for coverage.
👉 For a full overview of all policy types, see our Best Life Insurance Options in Boise for 2026 guide.
What Is Term Life Insurance?
Term life insurance provides coverage for a set period (typically 10, 20, or 30 years).
Why Boise residents choose term life:
Lower monthly premiums
High coverage amounts
Ideal for income replacement and mortgages
It’s especially popular with young families and homeowners in Boise.
What Is Whole Life Insurance?
Whole life insurance provides permanent coverage that lasts your entire life.
Why some Boise residents prefer whole life:
Fixed premiums for life
Guaranteed death benefit
Builds cash value over time
Whole life is often used for long-term planning or estate goals.
Cost Comparison (General Ranges)
Term Life: $20–$60/month (healthy adults)
Whole Life: $100–$300/month
Exact pricing depends on age, health, and coverage amount.
Which Is Better for Boise Residents?
Choose term life if your goal is income or mortgage protection
Choose whole life if you want lifetime coverage and guarantees
Many Boise families use both strategically.
Final Thought
The “better” option depends on your goal, not just the price.
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