- Your Independent Insurance Agency
Welcome to Madrona Insurance
~ Protecting What Matters Most ~
Trusted by professionals for over two decades, Madrona Insurance now protects your life outside of work.
Get the same specialized care for your business applied to your Auto, Home, and Pet coverage.
For My Business
Business Evolves. Contracts Expand. Risks Multiply.
📈 Operational Changes
📑 Contractual & Market Changes
🛠️ Asset, Tool & Risk Changes
For MySELF AND FAMILY
Protect the Life You've Built. Insurance Tailored to You.
Life Changes
Family Changes
💰 Budget Changes
Truly Independent.·More Choices.·Exact Protection.
One company, or a short list
Most insurance agents only sell plans from one big company, or from a very short list. We do not do that. We do not work for the insurance companies.
We work only for you
We do not work for the insurance companies—we work only for you. That means your protection, your savings, and your peace of mind come first.
Because we are independent, we search across 48 states to compare choices from dozens of companies, including special providers other agents cannot reach. We do not push one-size-fits-all plans. Instead, we hunt down the exact protection you need to keep you safe, at the best possible price.
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Examples of Situations We Can Help You With (Both Commercial & Personal)
Turned away by traditional carriers because your home doesn’t fit a standard mold? We offer tailored property solutions for unique and alternative living spaces:
- Tiny houses
- Houseboats
- Mobile & manufactured homes
Standard homeowners policies (HO-3 or HO-5 forms) leave several critical exposure gaps that frequently catch property owners off guard.
- Water Intrusion & Sewer Backups
- Earth Movement & Foundation Shifts
- Ordinance or Post-Disaster Code Upgrades
Using your own car for work comes with serious risks. If you get into an accident, your personal insurance might not cover you, your business could get sued, and you’re stuck dealing with extra wear and tear plus messy tax tracking.
- Personal with Business Endorsement for limited business use
- Transporting tools / inventory - covered under a Commercial policy
- Specialty endorsements for Rideshare/Delivery Apps
Parametric Insurance
Skip the adjusters and the paperwork. Parametric coverage pays you cash automatically when a specific trigger hits—like a Category 3 hurricane, 2-inch hail, or a 6.0 earthquake—so you have immediate funds when disaster strikes.
- Objective, Data-Driven Triggers
- Pre-Agreed, Fixed Payouts
- Rapid Liquidity with Zero Claims Adjusting
Deductible Defender - Supplemental Protection
Choosing a higher deductible—like $1,000 or $2,500 instead of $500—is the easiest way to lower your monthly premium. The catch? If a pipe bursts or you get into a fender bender, you must pay that full amount out of pocket before your insurance covers a dime. Deductible Defender reimburses these deductibles right back to you.
- Works With Any Insurance Company
- Covers your primary residence deductible
- Applies to all vehicles you insure under your name
High-Hazard & Coastal Flood Exposures
Properties situated in coastal storm zones, river valleys, or special flood hazard areas (SFHAs) that face severe rate hikes, restrictive NFIP coverage caps ($250k dwelling / $100k contents), or outright standard market declinations.
- Beyond NFIP Limits
- Coverage for unattached structures and basements
- No waiting through arbitrary federal processing delays
Non-Standard & Multi-Unit Landlord Risks
Standard home insurance often cancels policies on Airbnbs, older apartments, student rentals, or properties undergoing renovation—labeling them “unacceptable business risks.” If you rent out or renovate your property, you need coverage built for real estate investors.
- Specialized Lessor’s Risk Only (LRO)
- Coverage for tenant turnover, guest liability, loss of rental income, and vacant or transitional renovation phases
- Bridging the divide between residential property and commercial hospitality/leasing.
High-Value Collections: Autos, Fine Art & Jewelry
Standard home and auto policies don’t cut it for classic cars, fine art, luxury watches, and bespoke jewelry. Strict category caps, heavy depreciation, and missing-item exclusions leave your prized possessions dangerously underprotected. To guarantee their true value after a loss, high-value assets should always be insured separately.
- Agreed Value vs. Depreciated "Actual Cash Value" (ACV)
- Bypassing Restrictive Sub-Limits & Blanket Deductibles
- Worldwide Coverage for "Mysterious Disappearance" & Fragile Breakage
Tell us what you’re looking for and we’ll reach out within 1 business day — no obligation.
- Licensed across 48 states & Washington, D.C. (excluding Alaska & Hawaii)