Insurance Agency in Aberdeen, Washington

We Shop, You Save

Big Enough To Save You Money, Small Enough To Know Your Name

What You Get With Us

Insurance isn’t one-size-fits-all. We get to know you—and your unique situation. You get real people, honest answers, with coverage that fits you at the best possible price.

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The Right Coverage

Liability, collision, comprehensive—we’ll explain it all and help you choose what makes sense.

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Real People, Real Support

When you call, you get US. Not a robot. Not a call center. Just helpful answers, fast.

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Competitive Rates

We shop multiple insurers to find the best value for your needs and budget.

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Easy Claims Help

If something goes wrong, we help you through it—step by step.

Meet Your Aberdeen Washington Team

Angela Clontz

Angela Clontz is passionate about spending quality time with her family and cherishes every moment shared together. She finds joy in singing and listening to music, letting melodies inspire and uplift her spirit. Angela also has a deep appreciation for nature and loves to take in the beauty of the world around her, finding peace and inspiration in the outdoors. Her positive outlook and love for life shine through in everything she does.

Terri Slaten

Terri Slaten is passionate about spending quality time with her daughter and son-in-law in beautiful New Hampshire. She enjoys house sitting and caring for her beloved grand pups whenever her daughter is out of town. Terri also has a love for travel, always eager to visit new places and create lasting memories with her family. Her adventurous spirit and dedication to family make every journey and gathering special.

Neighbors Helping Neighbors, One Policy at a Time

Your Local Independent Agents in Aberdeen

Living on the harbor means dealing with weather that most of the country never thinks about. Rain that does not let up from October to April. Wind coming off the Pacific hard enough to take down a fence line. Rivers that come up fast when a warm system lands on a snowpack. Insurance out here has to account for all of it, and a lot of policies quietly do not.

We are independent, which means we shop your coverage across more than 80 carriers instead of selling one company’s product. Our office is on South Boone Street, and we take care of neighbors in Aberdeen, Hoquiam, Cosmopolis, Montesano, Elma, Westport, and Ocean Shores.

Bring us what you have now. We will go through it and tell you what is actually covered, what is not, and whether you are paying for something you do not need.

What Coverage Around Here Really Has to Account For

Flood is not in your homeowners policy

The Chehalis, the Wishkah, and the Wynoochee all reach this town, and the low ground floods on a schedule locals know by heart. Homeowners insurance covers none of it. NFIP policies take 30 days to go into effect, which makes December a bad month to start thinking about it. If you are anywhere near the river or the flats, this is the first conversation to have with us.

Earthquake is its own policy too

We sit on the Cascadia subduction zone, and standard homeowners policies exclude earthquake entirely. Coverage is available and it is worth pricing, particularly on older homes with unreinforced foundations, which describes a lot of Aberdeen housing stock. Deductibles run as a percentage of the dwelling limit rather than a flat number, so ask us to walk you through what that would actually mean for your house.

Old houses get underwritten differently

Aberdeen has beautiful turn-of-the-century homes and carriers look closely at them. Knob and tube wiring, fuse boxes, galvanized plumbing, and the age of the roof all affect whether a standard carrier will write the property. Some of these houses do far better with specialty carriers who understand older construction. We work both markets. If you have updated the wiring, the panel, or the plumbing, gather that documentation before we quote, because it changes both eligibility and price.

Wind, trees, and what falls on things

Coastal wind storms bring down timber, and tree removal is capped on most homeowners policies. Removing a tree that came down without hitting anything is usually not covered at all. Worth knowing if you have big firs close to the house.

Working coverage

A lot of what we write here is for people who work for a living outdoors: timber and logging operations, commercial fishing, contractors, and the trucking that supports both. General liability, commercial property, commercial auto, and workers compensation.

What We Cover

Personal

Auto, home, flood, renters, landlord and rental property, life, health, Medicare supplement, motorcycle, boat and recreational, personal property, pet, and umbrella.

Business

Business owner’s policies, commercial auto including hired and non-owned, commercial property, general liability, workers compensation, group benefits, health, life, bonds, directors and officers, errors and omissions, and commercial umbrella.

Frequently Asked Questions

What is the minimum car insurance required in Washington?

Washington requires 25/50/10: $25,000 in bodily injury coverage per person, $50,000 per accident, and $10,000 for property damage. That property damage limit is well below what most vehicles on the road are worth today. We will price higher limits alongside the minimum so you can see the real monthly difference rather than guessing.

Do I need flood insurance in Aberdeen?

For a lot of properties here, yes. Homeowners insurance excludes flood completely, and being outside a mapped high-risk zone only means your lender is not requiring coverage. It does not mean water cannot reach you. Preferred Risk policies for moderate and low-risk properties are inexpensive. Remember the 30-day waiting period, so this is a decision for a dry week.

Does my homeowners insurance cover an earthquake?

No. Earthquake is excluded from standard homeowners policies everywhere, including here on the coast. It is available as a separate policy or endorsement, and given where we sit it is worth at least seeing the number. Deductibles are a percentage of your dwelling limit rather than a flat dollar amount, which surprises people, so ask us to run that math for your specific house.

Can you insure an older home in Aberdeen?

Yes, and it takes more than pulling a rate. Carriers underwrite older homes on wiring type, plumbing material, electrical panel, and roof age, and some standard companies decline properties that a specialty carrier will write without a second thought. We work both markets. Documentation of any updates you have made goes a long way.

Do you write commercial insurance for Grays Harbor businesses?

We do. General liability, commercial property, commercial auto, workers compensation, business owner’s policies, and group health, including for timber, fishing, contracting, and trucking operations.

Get Your FREE No Obligation Insurance Evaluation Today!

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We shop over 80 of the best insurance companies to get you the most competitive pricing and coverage that is as unique as your individual needs.

What Your Neighbors Have To Say

REAL PEOPLE . . . REAL RESULTS! Hear from people just like you.

Heather B.

I highly recommend Equity Insurance Group—it’s the company I personally trust and the one I consistently suggest to my clients. Their team delivers exceptional service: they’re responsive, knowledgeable, and make the entire insurance process straightforward and stress-free. Working with Jordan is always a pleasure; his professionalism and attention to detail ensure that every client receives outstanding care and confidence in their coverage.

Justin P.

I have been a client of Equity Insurance Group for the past decade. They regularly check in with me to make sure I am appropriately covered, and shop around my insurance to make sure I still have the best price. When I've had to make claims, they've helped me through the process and never hesitated to advocate for me. Nobody wants to deal with their insurance, but EIG makes that process as painless as possible!

Alecia F.

I’ve had a great experience with Equity Insurance Group! I really appreciate how patient and helpful they are — I asked a million questions about my policy, and every single one was answered clearly and thoroughly. Their customer service is excellent. Anytime I need to make changes or have an issue, they handle it with kindness and professionalism. What I especially love is being able to work with someone face-to-face. It’s so much better than just talking to someone over the phone — it makes the experience feel more personal and trustworthy.

Jesus & Alexander G.

With a growing family and another baby on the way, peace of mind means everything to us. Equity Insurance Group made sure we’re covered from every angle — home, auto, and life. They treat us like family, not just another policy number. We couldn’t ask for a more caring, trustworthy team!

Mallory K.

Mia was absolutely amazing! We needed quotes quickly to close on a new home, and everyone else gave us exorbitant rates with high deductibles that wouldn't work with our growing family. In a day, we had everything we needed from Mia to move forward with a carrier she found who had solid price points and coverage. Thank you, Mia, for making this process so easy!

Brandon D.

I’ve had a fantastic experience with Equity Insurance Group. From the start, their team made the process easy to understand and stress-free. They took the time to explain all my coverage options and helped me choose a policy that truly fits my needs and budget. What impressed me most was their responsiveness and how quickly they handled any questions or concerns I had. It’s clear they genuinely care about their customers. I feel confident and well-protected knowing I’m insured with Equity. Highly recommended!

Amy C.

Jordan at Equity Insurance Group is amazing! He also takes great care of all of my personal insurance needs and answers every question that I have. I am a Realtor and he is also fantastic at providing excellent service to my real estate clients that I send his way. I never hesitate referring him to anyone!

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