Reviewed by Anthony Perry, CPCU, high-net-worth risk management specialist at PCRG Insurance. Last updated October 2026.
PCRG Insurance is an independent insurance agency with an office in Kirkland, serving clients on the Eastside and nationwide. We protect Lake Washington waterfront homes, downtown condos, boats moored from Carillon Point to Juanita Bay, and the families, founders, and executives who call Kirkland home.
We compare coverage from multiple carriers and build one coordinated plan for your homes, vehicles, boat, business, and family. Meet with us virtually, by phone, or in person by appointment.
Kirkland Insurance at a Glance
- Personal: Homes, waterfront homes, condos, auto, collector cars, boats, umbrella, and life insurance
- Business: General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance
- High-value: Waterfront estates, fine art, jewelry, and umbrella coverage for executives
- How to meet: Virtual, phone, or in person by appointment
Insurance We Offer in Kirkland
Homeowners and Waterfront Home Insurance
Coverage for Kirkland homes and Lake Washington waterfront properties, including extended or guaranteed replacement cost, docks and bulkheads, and earthquake coverage.
Condo Insurance for Downtown Kirkland
A condo policy (HO-6) covers your unit’s interior, belongings, and liability, plus loss assessment coverage if your HOA bills owners for a large claim, a key protection for downtown waterfront condos.
Auto and Collector Car Insurance
Coverage for daily drivers, family vehicles, and collector cars, with high liability limits and uninsured motorist protection.
Boat and Yacht Insurance for Lake Washington
Agreed value and liability coverage for boats and yachts on Lake Washington, with navigation territory for trips to Puget Sound and the San Juan Islands.
Umbrella Insurance for Families and Executives
Extra liability protection above your home, auto, and boat policies, sized to your net worth and public profile.
Life Insurance for Families and Business Owners
Coverage to protect your family’s income, cover estate costs, and support business succession, coordinated with your financial advisor or estate attorney.
Business Insurance for Kirkland Companies
General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance for Kirkland startups, professional firms, retailers, and contractors.
High-Value Home, Art, and Jewelry Insurance
Coverage from carriers built for luxury homes and significant collections, including fine art, jewelry, and watches scheduled at appraised value.
Waterfront Home and Boat Insurance on Lake Washington
Homes along Lake Washington in Yarrow Bay, Houghton, Moss Bay, Juanita, and Finn Hill carry risks an inland home doesn’t. Many standard policies limit coverage for docks, bulkheads, boathouses, and boat lifts, so it’s worth confirming yours are covered at values that reflect waterfront construction.
If you keep a boat at Carillon Point, Yarrow Bay, or your own dock, make sure your navigation territory matches where you go. Boats that head through the Ballard Locks to Puget Sound need saltwater coverage, and some policies are written for inland lakes only.
Umbrella and Executive Liability Insurance for Kirkland Founders
Kirkland’s tech community brings equity, visibility, and exposures that go beyond a home and a car. We help founders and executives protect:
- Personal liability, with umbrella and excess liability limits sized to your net worth
- Board service, through nonprofit and private company directors and officers (D&O) coverage
- Digital life, with personal cyber insurance for identity theft, cyber extortion, and social engineering fraud
- Household staff, through stop-gap employers liability, which fills a gap in Washington’s state-run workers’ compensation system, and employment practices liability (EPLI)
- Collections, with valuable articles coverage for art, jewelry, watches, and wine
Kirkland and Eastside Risks Your Insurance Should Cover
- Earthquake: The Puget Sound region has several active fault zones, and standard homeowners policies exclude earthquake damage.
- Windstorms: Winter storms bring falling trees and power outages across the Eastside.
- Water damage: Heavy rain can cause sewer and water backup, which standard policies often exclude or cap.
- Liquidity events: An IPO, acquisition, or vesting cliff can change your liability exposure overnight.
Meet with PCRG Insurance Virtually, by Phone, or by Appointment
Most clients work with us virtually or by phone, and we’re glad to meet in person at our Kirkland office by appointment. Because we serve clients nationwide, we can also coordinate coverage for second homes, vacation properties, and vehicles in other states.
Areas We Serve in and around Kirkland, WA
Kirkland Neighborhoods We Serve
Downtown Kirkland, Moss Bay, Market, Norkirk, Highlands, Lakeview, Yarrow Bay, Houghton, Everest, Rose Hill, Bridle Trails, Totem Lake, Juanita, Finn Hill, and Kingsgate.
Nearby Eastside Cities We Serve
Bellevue, Redmond, Woodinville, Bothell, Medina, Yarrow Point, Hunts Point, and Clyde Hill.
How to Get an Insurance Quote in Kirkland
- Tell us what you want to insure. Homes, vehicles, boats, business, or all of the above.
- We review your current coverage. We find gaps and overlaps, including property in other states.
- We compare carriers. You’ll see options side by side, with coverage and cost.
- We stay with you. As your homes, career, or business change, we update your coverage.
Frequently Asked Questions about Insurance in Kirkland
Where Is PCRG Insurance Located?
Our office is at 720 Sixth Street S, Suite 100, Kirkland, WA 98033. We meet with clients virtually, by phone, or in person by appointment.
Can I Work with PCRG Insurance If I Don’t Live in Kirkland?
No. We serve clients nationwide, and most of our work happens virtually or by phone.
Does Homeowners Insurance Cover My Dock in Kirkland?
It depends on the policy. Some homeowners policies include limited coverage for docks and other structures, while others exclude them or cap the amount. We’ll review your policy and recommend added coverage if needed.
Do I Need Earthquake Insurance in Kirkland?
Standard homeowners policies in Washington don’t cover earthquake damage, and the Puget Sound region has several active fault zones. Many homeowners add earthquake coverage separately.
Will My Boat Insurance Cover Trips from Lake Washington to Puget Sound?
Only if your navigation territory includes saltwater. Tell us where you take your boat, including any trips into Canadian waters, and we’ll make sure your coverage goes with you.
Do I Need Workers’ Compensation for Household Staff in Washington?
Washington’s workers’ compensation runs through the state’s Department of Labor & Industries, not private insurers. Stop-gap employers liability can fill the remaining gap, and we can help you review your situation.
How Much Umbrella Insurance Does an Executive Need?
Many advisors suggest a limit that at least matches your net worth, adjusted for your public profile, property, household staff, and board roles.
What Is Private Client Insurance?
Coverage designed for high-value households, typically with higher limits, broader protection, and more personalized claims service, often combining multiple homes, vehicles, umbrella, and collections in one program.
Get an Insurance Quote in Kirkland
Tell us what you want to protect, and a PCRG Insurance advisor will review your coverage, show you where the gaps are, and compare options. There’s no cost and no obligation.