Kaiser Agency — Allstate Insurance in Bellingham, WA
Work, Live and Spend here in Whatcom County
"Yesterday quoted a returning customer $500 less for their home than the company they left us for 2 years ago."
— 7/1/2026
GIFT CARD FOR QUOTES
Send us a referral for a Home and Auto Quote, both of you receive one.
Get Your Gift CardProtect your assets with Kaiser Agency & Allstate Insurance
Home Insurance
Do you have protection from your premiums rising after using your insurance? Ask about our CLAIMS GUARD.
Auto Insurance
Do you have a policy that will actually pay retail replacement value if your car is a total loss? Ask about the AUTO REPLACEMENT ENDORSEMENT. If you drive for UBER or LYFT we offer a RIDE SHARE endorsement for less than $5/month.
Life Insurance
Not your Grandpa's term Life Insurance. $500,000 for up to 30 years, convertible 15–25 years. Just issued for a 38-year-old female — just over $100/month.
Hard to Find Insurance
Small Group Medical Insurance. In 2025 we had a plan that paid 250% more than premiums collected and still got a renewal. Surprisingly simple for small businesses.
The Real Talk
"NOBODY says 'I want the cheapest surgeon' ever."
If you need a hip or knee replaced you want the BEST surgeon. When selecting Home and Auto insurance too often consumers select what they feel is the best value until they have an accident or break-in lacking the coverage they thought was included. Work with our award recognized Agency to make sure you get what you need. Cheaper does not matter if it does not cover you.
Good Hands in our Community
MY BLOG
5 Critical Dates for Renewing Flood Insurance Coverage
Renew flood insurance coverage before critical deadlines to protect your home. Learn the 5 key dates that prevent coverage gaps.
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How to Understand Earthquake Insurance Deductible Tax Implications
Understand earthquake insurance deductible tax implications to reduce your taxable income. Learn which deductions apply to your policy.
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Guide to Protecting Your Rideshare Insurance from Premium Increases
Stop rideshare insurance premium increases before they happen. Learn proven strategies to protect your rates and keep costs manageable.
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Best Affordable Life Insurance Options for 2026
Compare affordable life insurance options with transparent pricing, coverage needs guidance, and ways to lower premiums.
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Is Filing a Homeowners Insurance Claim Worth It?
Learn when filing a homeowners insurance claim makes financial sense.
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Whatcom County Flood Insurance Options: 2026 Guide
Compare flood insurance options in Whatcom County for 2026. Learn about NFIP, private flood insurance, flood maps, waiting periods, and coverage limits.
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Retail Replacement Value for Total Loss Vehicles
Retail replacement value for total loss vehicles differs from actual cash value. Learn how to optimize your auto insurance coverage for maximum payouts.
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Does Claim Forgiveness Raise Premiums? What to Know
Does claim forgiveness raise premiums? Learn how claim forgiveness works, who qualifies, and what it does and does not protect on your auto policy.
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Earthquake Insurance Deductible Percentage: How It Works
Understand your earthquake deductible percentage: how it's calculated, real claim examples, and how to choose the right deductible for your home.
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Understanding Auto Insurance Coverage in Washington
Washington state has specific requirements for auto insurance — but meeting the minimum is rarely enough. Here's what you actually need to be protected.
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Allstate Motor Club: Roadside Peace of Mind
Breakdowns happen at the worst times. Allstate Motor Club gives you 24/7 roadside assistance so you're never stranded — and it costs less than you think.
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Is 2026 the Year?
A new year is a great time to review your coverage. Are your policies still working for you, or are you paying for protection that no longer fits your life?
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Floods — Not If But When?
Flood damage is one of the most common and costly disasters in Whatcom County — and most standard home policies don't cover it. Find out what you're missing.
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Should I Stay or Go?
Thinking about switching insurance carriers? Before you make the move, make sure you understand what you're giving up — and what you're gaining.
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Inflation Hit Medical Premiums Years Ago — Now an Alternative?
A self-level funded plan for 2–49 employees that can refund unused premiums at year end. Allstate's new offering through National General may be the flexibility small business owners have been looking for.
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Before You Make Another Auto Purchase — Did You Know?
Many premier carriers have halted new auto policies on certain KIA and Hyundai models in WA. Before you buy, know the coverage restrictions and what questions to ask first.
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"Give Me the Cheapest Surgeon" — Said No One Ever
WA auto rates are up 20–25% in 2024. Before you shop for a cheaper policy, read why price isn't the only thing that matters — and how the right coverage turned an $11,000 Civic into a $15,000 settlement.
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Veterans & Homeowners Beware
A homeowner jumped to a lower premium, got cancelled 45 days later over a hurricane condo claim, and had to beg his original carrier to take him back. Know your WSRB profile before you switch.
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Great Food & The Insured's Responsibility
Happy Holidays from the Kaiser Agency — plus the insurance changes you must report: address moves, new vehicles, who owns the car, and why married couples on separate policies can create a serious problem.
Read MoreWe Need Your Help!
A new Household Family Auto Policy launches January 21 — and every bundled quote referral puts $25 toward feeding kids in Whatcom County through WildBird Charity.
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When in Canada — Have the Requirements to Drive Legally
A young driver was stopped just over the BC border without her yellow card. She nearly had her car impounded and faced a $5,000 CDN fine. Here's what every Washington driver needs to know.
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Auto Replacement Endorsement — What Is It and Why?
A Honda Civic owner got $2,000 above the totality offer. A Ford Escape owner got $3,228 more than ACV. Both paid under $10 per six months for this protection — here's how it works.
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Wow, Allstate Delivered
A staff member totaled her 2012 vehicle and received $9,580 instead of the $6,351 ACV — a 50.8% increase — thanks to an endorsement that costs just $4.83 per six months.
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Juneteenth 2025 — What to Know, Including What's Open
Office hours for Juneteenth, a history of the holiday, and important summer reminders about rental cars, driving in Canada, and the best number to reach the Kaiser Agency directly.
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WA Ranks 9th Lowest for AUTO Premiums
Washington drivers pay an average of $1,890 a year for full coverage — well below the $2,679 national average. See where WA stands and what it means for your wallet.
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Equity in Access to the Puget Sound in Bellingham
Dennis supports Warrior Service veterans fishing on the Puget Sound and advocates for a new non-motorized boat launch at Zuanich Point Park — a community project that benefits kids, vets, and paddlers alike.
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House Paid Off?
One of the best days — but it can accidentally cancel your home insurance. Find out why paying off your mortgage means you need to call your agent right away.
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Reflection on Patriot Day
Dennis reflects on where he was on 9/11/2001, what the economic indicators looked like then versus now, and a fellow Rotarian's simple call to just be better humans.
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Cheap Is Almost Never Good — Just Cheap
Nobody asks for the cheapest surgeon. So why do so many people make price the only factor when choosing insurance? The answer might surprise you.
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Why State Minimums May Expose Your Assets
A $25,000 policy limit sounds like coverage — until an attorney walks away with a $27 million judgment. Find out why state minimums may leave your assets dangerously exposed.
Read MoreWatch: Kaiser Agency
Visit Our YouTube ChannelAWARDS & LOCAL RECOGNITION
Voted Best of the Cascades 2024, 2025 & 2026 — GOLD for Best Insurance Agent
Local & Insured
They Trust Us & We Trust Them
These are businesses run by our insured — neighbors we know and trust. If you are one of our insured and would like your business listed, send us a picture and your contact info.
Chem Dry of Whatcom County
John & Jean
Professional carpet and upholstery cleaning serving Whatcom County.
Lone Pine Auto Glass
Tyler Johnson, Owner
Our go-to for glass! Tyler would love to earn your business for all your automotive glass needs in Whatcom County.
Advanced Vision of Bellingham
Spencer Young, O.D.
1633 Birchwood Ave, Ste 105, Bellingham, WA 98225
Southside Living Magazine
David Pillinger, Editor & Publisher
A local Bellingham advocate and community storyteller — always looking for what makes our communities great.
Neeter's Fine Jewelry
Superior specialized craftsmanship at an incredible value. For the discerning buyer looking for more than just a buying experience.
Bailey's Neighborhood Dog Wash
Full service grooming, self wash & pet supplies — 7 days a week. 1633 Birchwood Ave, Ste 104, Bellingham, WA 98225. Locally owned and operated since 2000.
Golf Ball Planet
Save big on golf balls — 100 Pro V1s for under $200 with free shipping. Use coupon code golfballplanet10 for an extra 10% off.
Are you one of our insured? Tell us about your local business and we'll add you to the directory.
WE PROTECT YOU ALONG THE WAY
Dennis Kaiser
Agency Owner
We are glad you are here. I have been part of the Insurance and Financial Services industry since 1997. The one constant has been changes to Auto Insurance and Home Insurance. Now more than ever it is important to have someone with knowledge & experience assisting you and your family with your protection needs — a Local Insurance Agent.
Recently we have found more and more of our insured looking for income strategies for retirement. Michael Segall, our personal financial representative, has been assisting those in need of solutions. Contact us and we will have him reach out.
Kari Fenton
Licensed Sales & Service Agent
Kari comes to us with 30 plus years of practical life experience, specializing in food & hospitality, and now a Local Insurance Agent.
Kari possesses the unique ability to find the good even in the toughest situations, always smiling and ready to help!
She was a free agent pick up when Scott Richardson, a 40 plus year agent retired, where she had been his right hand for some time before joining us. She really shines providing quotes for Auto Insurance and Home Insurance.
She is an active member and ambassador of the Bellingham Chamber of Commerce — call her for a contact in any business, as she probably has an idea for you.
CONTACT US
Need a Review & 2nd Opinion — Ask & Schedule us today! There is no charge for the consultation.
Kaiser Agency
Address
1633 Birchwood Avenue, Ste 103
Bellingham, WA 98225
Phone
360-746-7785Hours
Monday–Friday: 9am–5pm
Saturday–Sunday: Closed