By Blue Horizon Insurance & Financial Services
Looking for home, auto, renters or boat insurance in Chelan or Manson? Blue Horizon Insurance is a local independent agency about 40 miles south at 12 S Wenatchee Ave in Wenatchee. We are not the insurance company. We compare coverage from the companies we represent for Lake Chelan households, explain it in plain English, and you choose.
Request a quote online:
Call 509-293-7500 (Mon–Fri, 9–5 PT) · Text only 509-300-3515 (texts, not calls)
Do you have an office in Chelan?
No. Our one office is in downtown Wenatchee, down US-97A. You can do everything by phone, text or the online form, and stop by Monday–Friday, 9 a.m.–5 p.m. when you’re in town.
What did the 2015 Chelan Complex fire teach homeowners?
That fire can reach town. On August 14, 2015, lightning started several fires around Lake Chelan that became the Chelan Complex and burned 88,985 acres. Chelan Fire and Rescue’s report says the fire burned down to the back of the homes along the south side of the city. Within 24 hours, 51 structures and three fruit-packing warehouses were destroyed (Chelan County Fire District 1 testimony to the U.S. Senate).
- Check your rebuild cost. What a lake-area home would sell for and what it would cost to rebuild are different numbers. Review the dwelling limit at renewal.
- Evacuations. Loss-of-use coverage can pay extra living costs when an evacuation order is in place (WA OIC). See wildfire evacuations and additional living expense.
- Deductibles and risk scores. Some policies now carry a separate, higher wildfire deductible, and companies score homes on building materials, nearby vegetation, location and defensible space (WA OIC).
- If you can’t find coverage. One company’s “no” isn’t every company’s “no.” The commissioner points homeowners who can’t find coverage to the Washington FAIR Plan.
Can I rent my Chelan or Manson place to visitors?
Ask before you list it, because many home policies limit or exclude rental use. Outside city limits, Chelan County caps new Tier 2 and Tier 3 short-term rentals at 6% of housing units in each area. The county’s August 11, 2026 count shows 63 counted rentals against a cap of 127 in unincorporated Chelan, and 40 against 75 in unincorporated Manson. The county permit checklist requires a $1 million liability insurance certificate. Inside the City of Chelan, city rules apply. If you rent even a few weeks a year, tell us, and we’ll check whether any of the companies we represent will consider it.
What do Lake Chelan boat owners need to know?
The lake runs more than 50 miles (HistoryLink), and a home policy may give a boat little or no coverage, so ask. Washington State Parks requires a Boater Education Card for operators 12 and older born after January 1, 1955, running a motor of 15 horsepower or more. If you ever rent the boat out, read renting out a boat on Lake Chelan first. See boat insurance. With a boat, a lake home and guests, an umbrella policy is worth a look.
Do Chelan renters need their own policy?
Usually, yes. Census estimates put about 44% of Chelan households as renters (2020–2024). Your landlord’s insurance covers the building, not your things (WA OIC). Renters insurance covers your belongings and your personal liability. See renters insurance.
What affects car insurance in Chelan?
Most local trips are short. Census puts the average Chelan commute at about 14 minutes. Trips to Wenatchee mean US-97A along the river. Chelan averages about 20 inches of snow a year (NOAA 1991–2020 normals), a bit more than Wenatchee. Deer are usually a comprehensive claim. See hit a deer near Wenatchee? and adding a teen driver.
Why use a local independent agency?
- We compare several insurance companies, not just one.
- Blue Horizon has been Ramsey Trusted / Dave Ramsey endorsed for 10+ years.
- Currently insured? Bring your declarations page. We line up start dates so there’s no gap.
How do I get a quote?
Request a quote online:
Call a licensed insurance agent at 509-293-7500 (Mon–Fri, 9–5 PT). Text only: 509-300-3515 (texts, not calls).
Related: Areas we serve · Home insurance · Auto insurance · Wildfire smoke and your home policy · Entiat
General information, not a quote or promise of coverage. Coverage depends on your policy terms.
Sources: Chelan Fire and Rescue, Chelan Complex Fire report (2015); Chelan County Fire District 1 Senate testimony (Nov. 2015); WA Office of the Insurance Commissioner (wildfire and renters pages); Chelan County Code 11.88.290, STR statistics and permit checklist; Washington State Parks, Boater Education Card; HistoryLink, Chelan; U.S. Census Bureau, American Community Survey 2020–2024; NOAA NCEI 1991–2020 normals (Chelan, USC00451350); Washington State Archives.
