By Blue Horizon Insurance & Financial Services<\/p>\n
Looking for home, auto, renters or boat insurance in Chelan or Manson?<\/strong> 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.<\/p>\n Request a quote online:<\/p>\n Get your free quote online<\/a><\/p>\n Call 509-293-7500<\/a> (Mon\u2013Fri, 9\u20135 PT) \u00b7 Text only 509-300-3515<\/a> (texts, not calls)<\/p>\n 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\u2013Friday, 9 a.m.\u20135 p.m. when you’re in town.<\/p>\n 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).<\/p>\n 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.<\/p>\n 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<\/a> first. See boat insurance<\/a>. With a boat, a lake home and guests, an umbrella policy<\/a> is worth a look.<\/p>\n Usually, yes. Census estimates put about 44% of Chelan households as renters (2020\u20132024). Your landlord’s insurance covers the building, not your things (WA OIC). Renters insurance covers your belongings and your personal liability. See renters insurance<\/a>.<\/p>\n 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\u20132020 normals), a bit more than Wenatchee. Deer are usually a comprehensive claim. See hit a deer near Wenatchee?<\/a> and adding a teen driver<\/a>.<\/p>\n Request a quote online:<\/p>\n Get your free quote online<\/a><\/p>\n Call a licensed insurance agent at 509-293-7500<\/a> (Mon\u2013Fri, 9\u20135 PT). Text only: 509-300-3515<\/a> (texts, not calls).<\/p>\n Related: Areas we serve<\/a> \u00b7 Home insurance<\/a> \u00b7 Auto insurance<\/a> \u00b7 Wildfire smoke and your home policy<\/a> \u00b7 Entiat<\/a><\/p>\n General information, not a quote or promise of coverage. Coverage depends on your policy terms.<\/em><\/p>\n 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\u20132024; NOAA NCEI 1991\u20132020 normals (Chelan, USC00451350); Washington State Archives.<\/small><\/p>\n","protected":false},"excerpt":{"rendered":" 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 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-120","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\tDo you have an office in Chelan?<\/h2>\n
What did the 2015 Chelan Complex fire teach homeowners?<\/h2>\n
\n
Can I rent my Chelan or Manson place to visitors?<\/h2>\n
What do Lake Chelan boat owners need to know?<\/h2>\n
Do Chelan renters need their own policy?<\/h2>\n
What affects car insurance in Chelan?<\/h2>\n
Why use a local independent agency?<\/h2>\n
\n
How do I get a quote?<\/h2>\n