Do I really need Flood Insurance in Leavenworth?

Guest Post by Eric Kossian of Leavenworth Insurance

Do you find yourself asking "Do I really need Flood Insurance in Leavenworth for my home?"

First of all, what is a flood?  

A flood is surface water from any source including mudslide that affects at least two properties or at least 2 acres of dry land.

Damage from a flood is excluded under all homeowner's policies due to the high probability of a claim. Therefore, a separate policy is required for floods and/or these other perils:

  • Earthquake
  • Landslide/Earth Movement
  • Flood/Mudslide.

At least 6 ways flood coverage home damage is more limited than homeowner's coverage:

  • The home damage can only be insured for up to $250,000.
  • Coverage for a deck is limited to 16' square feet.
  • There is no loss of use coverage to pay for you to live elsewhere.
  • There is coverage for compliance to flood ordinances such as flood proofing, relocation or demolition or elevation requirements but they are limited to a maximum of $30,000.
  • Any loss assessments from associations are included in the maximum dwelling amount.
  • Flood policy provides up to $1000, for sandbags, temporary levees and pumps. 
  • Policy provides important coverage -even in a basement- for foundations, footings, pilings, posts & piers, stairways, furnaces, hot water heaters, circuit breaker boxes, electrical switches, outlets and junctions.

At least 5 ways flood coverage for contents damage is more limited than homeowner's overage:


  • Contents coverage is limited to $100,000.
  • The contents can only settled on an “actual cash value” basis (the depreciated value – not replacement cost like on a homeowner's policy.)
  • There are special limits of $2,500 total for art, jewelry, memorabilia, furs & business property.
  • There is no coverage for contents outside the insured structure.
  • There is no coverage for any contents in a basement! 

Source: National Flood Insurance Program

Eric Kossian is an Underwriting Specialist at which provides exceptionally broad auto, home and liability umbrella policies for qualifying homeowner's throughout Washington State including flood insurance in Leavenworth as well as supplemental policies for Earthquake, Landslide/Earth Movement and Flood/Mudslide. Contact [email protected] for more information. 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 Lake Wenatchee and Leavenworth 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


Moving to Leavenworth?

Are you looking for a cabin or a condo in Leavenworth that your family can use as a home base when climbing, skiing or hiking around Leavenworth or Lake Wenatchee?

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.