Will Your Leavenworth Home Insurance Go Down?


State Agency Grants Some In Leavenworth New Lower Fire Insurance Rating

(The following is a guest post by Eric Kossian of Leavenworth Insurance)


Some Leavenworth area residents will benefit from Fire Chief Kelly O’Brien’s successful effort to have the rating agency for fire protection classifications reevaluate Fire District #3.

Leavenworth Fire Dept


Chief O’Brien was able to prove that those county residents that reside within 5 miles from a district fire station and have a standard fire hydrant should now qualify for a lower rating of 6, to match the 6 rating inside Leavenworth city limits.


 The Washington State Rating Bureau verifies the rating for each piece of property in the state for insurance companies. The better the fire protection, the better your insurance rate will be. While Seattle is a class 2, residents inside Leavenworth city limits have had a class 6 for years. However, a house just across the street outside the city limit, was higher, even though they both used the same hydrant and were serviced by the same fire trucks. Kudos to Chief O’Brien for getting that changed effective Dec. 1, 2011; it took several years of diligent effort.


This mainly will financially benefit residents just outside town who have had hydrants for years. But it will also affect some of the upper Titus Rd and Ski Hill area residents who had hydrants put in on their streets over the last decade but were outside the city limit, so did not previously qualify for a class 6. It also helps property owners trying to put in subdivisions in those areas.


Fire Hydrant Photo Courtesy on Karin Beil on Flickr



Those with a rating higher than 6 that are still within 5 miles of a fire station pay a little higher insurance rate.  Those beyond 5 miles from a station (Class 9 & 10) pay a 3-5 times higher fire insurance premium than inside the city (Class 6), due to the higher risk of total loss of a remote property.


If your location was affected by the rate revision, your Leavenworth home insurance premium should automatically go down, by your renewal at the latest, if your property was affected.

Click here to read the Fire District's press release or to see a map of the Fire District.


 If you want to get a free report showing your specific fire zone rating for your property anywhere in WA state, feel free to email or call Eric. He has password access to the rating bureau and can email you a copy of the report for your home.


Eric Kossian, is an Underwriting Specialist and Agency Principal for Leavenworth Insurance and InsurePro. He can be reached at Eric@LeavenworthInsurance.com

or by calling 1-877-548-5488.



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Allyson and Geordie Romer

Leavenworth real estate agents - Allyson and Geordie Romer

For over a decade, Allyson and Geordie have been serving clients in the Leavenworth-area real estate market. Together, they work tirelessly to stay on top of the regional market and present the most relevant opportunities to their clientele.

When not in the office, they can be found exploring the endless recreation opportunities of the area in all of its seasons.




Geordie provided excellent real estate representation! We appreciated his detailed knowledge of the market, his up front and honest approach, and his negotiation skills.
As reviewed on Zillow  – 

- Laura Anderson



As “west siders” looking for a getaway near Leavenworth, Geordie provided insight … his knowledge of design features important in a “snowy winter wonderland” was appreciated. Thanks Geordie!
As reviewed on Zillow  –

- Jean Stern



Geordie made this somewhat complicated transition easier for us…going above and beyond to help us work through issues that came up during the sale of our parents home. We appreciated his knowledge, attentiveness to details and his willing spirit.
Our family is grateful for Geordie!
As reviewed on Zillow  – 

- Terry Foster



Geordie was great in every way. We have been looking in the Leavenworth area for some time, and Geordie was absolutely the best for local knowledge, history and depth on neighborhoods, developments and the local market trends. He was very quick to respond (even when he was on his vacation) and worked very diligently to get all of our questions answered in a very timely fashion. We would recommend him highly to anyone looking to buy or sell a home. Very friendly, and helped us navigate all of the local options before we made an offer on the property that we purchased. Thank you, Geordie!

As reviewed on Zillow  – 

- Ryan Olsen



It was such a pleasure to work with Geordie and his wife, Allyson on our cabin purchase. They showed us a variety of locations, listened to what we wanted and helped us find the perfect match. Everything was smooth and not stressful, just relaxed and easy. We would definitely recommend Geordie and use him again if the need arises!

As reviewed on Zillow  – 

- Cammie Schlosser


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Maybe you rent a house here and have decided to stay, surprised how a summer of rafting somehow turned into seven years.

Maybe it’s time to escape the hustle of the big city (and its rain) and move to Leavenworth with its four seasons.

Maybe you bought a condo years ago, don’t seem to use as much, and it’s time to sell.

Whatever your motivation, we are here to help. If you are buying a home, the best place to start is with our Homebuyer’s Guide to Leavenworth.