Specialized protection for Washington State AFH owners and operators. Your residents trust you with their care — trust us to protect your residents, your home, and your livelihood from the unique liability of residential care.
DSHS-compliant programs · Same-day certificates · Care-facility specialists
Adult Family Home insurance protects your care facility, your residents, and your livelihood from the unique risks of residential care. Per the Washington State DSHS, proper insurance is required for licensing — but beyond compliance, the right program protects everything you've built. Since 1992, First Underwriters has been Washington's trusted AFH insurance specialist, with coverage designed specifically for adult family home operators.
Illustrative examples of how a single care incident escalates — and the coverage that protects your home, your finances, and your license. Click through each.
Tell us how your adult family home operates, and we'll assemble the coverages that typically apply — a starting point for your quote, no contact info required.
Every AFH starts with a professional-liability, general-liability, abuse, property, and business-income core.
Four steps to a program built for residential care — and the support that keeps your license and referrals secure. Click through each.
Filter by type or search to see the full range of coverage we place for AFH operators.
Since 1992 we've insured Washington care facilities — we understand WAC 388-76 regulations, DSHS inspection processes, and the liability exposures AFH operators face daily. Not a generic policy off a shelf.
We make sure your coverage meets DSHS licensing requirements — minimum limits, abuse-coverage mandates, and proper endorsements — and issue same-day certificates that satisfy Medicaid providers and hospital discharge planners, keeping your referral pipeline flowing.
When a serious incident occurs, you get direct access to your advisor for immediate reporting, regulatory-notification guidance, and crisis-management coordination — plus defense-attorney coordination to protect your license, reputation, and finances.
Get a comprehensive quote tailored to your AFH. Don't risk your residents' care, your family's home, or your life's work on inadequate coverage — let's build the right protection together.
Or email us at info@firstunderwriters.com
Descriptions are general summaries for education and are not legal, regulatory, or coverage advice, nor a statement of coverage, an offer, or a binder; the coverage builder is a starting point for discussion rather than a quote or coverage determination. The scenarios and dollar figures shown are illustrative examples, not guarantees or representations about specific companies; actual coverage, limits, and eligibility are governed solely by the terms, conditions, and exclusions of your issued policies and are subject to underwriting and DSHS requirements. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
