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Updates

Can you believe AYAO Insurance is 3 years old?!

Happy birthday to AYAO! What an eventful 3 years it has been! 🎉

We are so fortunate and grateful to have all of our amazing customers and partners with us along this journey. 🤝

A big thank you to our awesome team, Gretchen and Joti, you ladies...

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We all want cheap auto insurance, but more importantly, reliable insurance is what matters when you need to file a claim. Everyone needs insurance so make sure you choose an agency that you can trust to be there for you.

You can count on us!

AYAO Insurance - Team AYAO
(425) 822-1212

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Deductible Options

A deductible is your out-of-pocket expense before a claim payout is made by your insurance company. Most insurance companies offer fixed deductible options ranging from $500 to $10,000 for homeowners policies.

Some companies may even offer a percentage deductible from 0.5% t...

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The main factor that determines your dwelling coverage is your home replacement cost.

Home replacement cost is the total estimated cost including labor and material to rebuild your home back to its original condition prior to a claim.

There are several main factors used to determine home replac...

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Coverage Limits and Deductibles

Dwelling coverage is the main coverage that determines your homeowners insurance coverage limits. It is also the baseline that is used to determine coverage limits of other coverages such as personal property and loss of use.

For example if you have dwelling cove...

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What affects the price of homeowners insurance premium?

Insurance options:

Coverages - Depending on your choice of coverage limits on your dwelling, other structures, and other available coverage options such as liability coverage, your insurance premium will adjust accordingly. The higher the ...

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What affects homeowners insurance premiums?

Characteristics of your home.

Replacement cost - It is the estimated cost to repair or rebuild your home based on several characteristics of your home, such as roof composition, floor covering, etc.

Home system upgrades - If you have upgrades such a...

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What affects homeowners insurance premiums?

Personal information.

Marital status - In general, a married couple has a lower rate than non-married individuals.

Insurance score - It is a metric that insurance companies use to assess individual insurance risk based on the consumer report of a cu...

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Testimonials

7 months ago
Alice came highly recommended to me from a good friend of ours. So when my auto insurance was about to renew, I reached out to Alice to see if she could review my policy and helped me save some costs. She was so thorough in going over all the details of my policies with me and really took the time to explain how my coverages work. The quotes came out just about the same as my current (or I should say previous) policies but I decided to switch to Alice. I love how responsive and dedicated she is. I can see why my friend recommended Alice and I am a happy customer now!
- Mike L
4 months ago
Alice is the best insurance agent I have had to date. She is extremely professional and responsive to emails and calls even on the weekend. Occasionally things do slip through the cracks with all of the moving parts at Allstate as a whole, but whenever there is a problem, Alice always takes care of it promptly.
- jeff f
5 months ago
Alice and her team has been very helpful with my home-owner insurance claim and car insurance claim. They follow up almost immediately and check claim status for you on regular basis. Thank you and your team for all the help!
- Jiong W

Dependable Insurance From Local Agents

Experienced Service

Alice has been a licensed insurance agent since 2007, the same year she graduated from University of Washington. Over the next 10 years of her insurance career, Alice became a top producer in a national brand agency and helped many clients with their auto and homeowners insurance. 

Dependable & Accessible

We understand the importance of being there when you need us. We will always promptly answer your phone calls and emails. 

We pride ourselves when it comes to claims and service, and we will help guide you through the entire process from start to end.  

Friendly Local Agents

As a small business owner in Kirkland and a resident in the Eastside for more than 20 years, I care deeply about our community. I sincerely appreciate your continuing trust in my agency and I will always maintain the highest integrity and provide honest and helpful information. 

AYAO Insurance - Team AYAO
12700 NE 124th St #9
Kirkland, WA 98034
(425) 822-1212
https://www.teamayao.com 

Dedicated licensed agents serving all of Washington including: 

Bellevue, WA
Redmond, WA
Bothell, WA

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Contact

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  • (425) 822-1212

Address

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12700 NE 124th St #9
Kirkland, WA 98034
United States

Business Hours

Mon:9:00 AM – 6:00 PM
Tue:9:00 AM – 6:00 PM
Wed:9:00 AM – 6:00 PM
Thu:9:00 AM – 6:00 PM
Fri:9:00 AM – 6:00 PM
Sat:Closed
Sun:Closed
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