Otter Insurance Agency Review

Otter Insurance Agency was founded in 1969. HUB International acquired its assets in December 2024, and the former Otter team now operates as part of HUB International Northwest from the HUB International Lynnwood office.

Otter Insurance Overview

Otter Insurance Agency served the Lynnwood, Washington, community for more than 55 years after its founding in 1969. In December 2024, HUB International acquired the agency’s assets. The business is now identified as Otter Insurance Agency, a HUB International company, and its team joined HUB Northwest. 

The agency has focused on helping customers compare personal and commercial insurance solutions, including auto insurance coverage. As part of HUB International, the Lynnwood office continues to offer advice based on each client’s needs. 

As an insurance brokerage, HUB International can seek coverage from insurers with which it has appointments. Available carriers, policies and rates vary by customer, location and underwriting requirements, so applicants should compare the quoted premium, limits, deductibles and exclusions before purchasing. 

Otter Auto Insurance Coverage 

The Lynnwood office lists personal auto insurance among its services. Depending on the insurer and the applicant, a policy may include or offer: 

• State Minimum Liability coverage
• Collision Insurance
• Comprehensive Insurance
• SR-22 Insurance
• Gap coverage, when available
• Uninsured or underinsured motorist protection

The agency can also insure:  

• Motorcycle Insurance
• Marine and Watercraft
• Recreational Vehicle or RV Coverage
• Classic Car Insurance
• ATV Insurance
• Commercial auto insurance  
• Business

Otter Auto Insurance Discounts 

Discounts are set by the insurer underwriting the policy, not guaranteed by the agency. Common auto insurance discounts may include:  

• Safe Driver 
• Low Mileage
• Bundled Automobile and Homeowners Coverage
• Good Student Discount 
• Military and Veteran
• Multi-Vehicle Discounts

To confirm which discounts are available and their eligibility rules, ask a HUB International Lynnwood advisor when requesting a quote.  

Otter Homeowners Insurance Coverage

The HUB International Lynnwood office offers homeowners insurance and can help customers review coverage options. Premiums and eligibility depend on the property, location, coverage selected, claims history and the insurer’s underwriting rules.  

Customers may be able to bundle home and auto coverage, although any discount varies by insurer and applicant. Personal property coverage options available through HUB include:  

• Homeowners 
• Condominium
• Manufactured Home Coverage
• Renters
• Landlord
• Flood Insurance for added protection
• Umbrella policies for added security 

A HUB International advisor can review home insurance options with you, including available limits and coverage types.

HUB International is a broker rather than the insurance company that underwrites a policy. The insurer determines the final premium, eligibility, coverage terms and claims handling.

Because no standard minimum premium is published for this office, customers need an individualized quote to determine the price. Review the dwelling limit, replacement-cost terms, deductible and exclusions rather than comparing premium alone. 

Otter Insurance Reviews

Customer ratings can change and may now appear under Otter Insurance Agency or HUB International Lynnwood. Before choosing the office, check recent reviews, the number of ratings and whether comments concern sales service, policy servicing or claims, which are often handled by the underwriting insurer. 

Otter served customers in Washington for more than 55 years before the 2024 acquisition. Consumers can consult the Better Business Bureau profile for Otter Insurance Agency, but BBB information and user reviews should be treated as only one part of the evaluation.  

Insurance Carriers and Quotes

The current HUB International Lynnwood page does not publish a complete list of insurance carriers available through the office. Carrier access may also vary by product and customer. Ask which insurer will underwrite the quoted policy and verify that insurer’s financial strength, complaint history and claims process.

An advisor can review coverage needs and seek available options, but neither the lowest rate nor a particular percentage of savings is guaranteed. Compare the quote with offers from other brokers or insurers using the same limits and deductibles.  

Community Achievements

The current HUB International Lynnwood page identifies local community involvement and support for several organizations, including:

• Clothes for Kids
• Ronald McDonald House Charities
• Seattle Children’s Hospital 

Otter Insurance Website 

The former OtterIns.com website now redirects visitors to HUB International. The HUB International Lynnwood office page provides office details and a contact form, along with links to information about personal and business insurance products.   

Claims and policy changes may need to be handled through the insurer that issued the policy or with assistance from the HUB office. Customers should use the contact information on their policy documents when prompt claims reporting is required. 

Contact Information

Address: 3500 188th St. SW, Suite 275, Lynnwood, WA 98037

Phone: 425-771-8900

Fax: 425-672-2712

Operating Hours

Monday to Thursday 8:00 am to 5:00 pm

Friday 8:00 am to 5:00 pm

Saturday and Sunday: Closed

Conclusion

Otter Insurance Agency is no longer a standalone, independently owned agency: HUB International acquired its assets in December 2024, and the Lynnwood team now operates within HUB Northwest. The office remains an option for Washington residents seeking personal or commercial insurance advice, including auto insurance, but customers should compare equivalent quotes and confirm the identity and terms of the underwriting insurer before buying.