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Independent Insurance Solutions to Bridge the Gap for you.
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Based in Gig Harbor, WA - Serving the Pacific Northwest and Washington State

MEET OUR TEAM

Narrows Insurance - Your local Independent Insurance Agency Your go-to source for Business Insurance, Employee Benefits, Auto Insurance, and Home Insurance in Gig Harbor, Tacoma, Port Orchard, Bremerton, Auburn, Kent, and surrounding areas.

Reliable Auto Insurance Tailored to You

Welcome to Narrows Insurance, your trusted partner for comprehensive car insurance. Our team of local, seasoned insurance advisors is well-versed in the dynamic auto insurance marketplace.

At Narrows Insurance, we pride ourselves on providing choices tailored to your unique needs. Unlike agencies tied to a single company, we have the flexibility to explore multiple options, ensuring you get a customized solution that fits your situation perfectly.

Ready to experience hassle-free insurance? Contact our experts today and let us guide you through finding the ideal coverage for your peace of mind!

Homeowners Insurance Solutions for You

Homes vary in shapes and sizes, making it challenging to determine the ideal insurance policy to safeguard your most valuable asset. At Narrows Insurance, we simplify the process by collaborating with a diverse range of insurance providers, assisting you in choosing the optimal coverage for your unique needs.

Our dedicated team is committed to tailoring a home insurance plan that ensures thorough protection for your property.

By leveraging our extensive network of insurance companies, we streamline the selection process, presenting you with the best options for you and your family. Trust us to craft a cost-effective home insurance solution that offers peace of mind, so you can confidently enjoy the comforts of your home.

Business Insurance Solutions

Narrows Insurance provides tailored insurance programs for businesses of all sizes and industries. We help you navigate through what your potential needs are as a business to select the appropriate products needed to protect you from any risk you may face.

Our attention to detail and willingness to work hard for our clients are what feels differentiates us from other companies.

Employee Benefits by Design

Narrows Insurance is an experienced local brokerage when it comes to helping businesses design and select an employee benefits (Medical, Vision, Dental Insurance, etc.) packages to help retain employees and attract talent.

We strive to make the process of selecting a plan for your employees a simple and easy process. Call us today to see how we can assist your business with your Employee Benefits needs!
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Partnering with the top Insurance Carriers Our Partner Companies

Why Choose Narrows Insurance?

Narrows Insurance is a local independent insurance agency serving businesses and individuals in the Pacific Northwest.

We pride ourselves in education, community, and creating long lasting partnerships with our clients. Our leadership promotes and expects transparency and honesty that makes us a trusted advisor and expert in the insurance industry.

About Us Meet our Team

What our Clients are saying:

We recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.
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Juliette

Kevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he puts time into getting to know you and your needs as a client. I highly recommend him and have referred him many friends and family members. Kevin is an amazing guy.
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Becky

I've been a customer of Carlson and Associates since moving to Gig Harbor 5 years ago. I currently work with Antone who is fantastic! He listens to what we are needing in regards to policies and he takes it from there. He's prompt in calling back with all requested quotes or information. The customer service that he offers is great and I recommend him to anyone. Carlson and Associates work with a number of insurance companies which is great as the options that are available make getting the best rates easy with more money in my pocket...which I love. Keep up the great work Carlson and Associates especially Antone! (He's option #6 when calling)
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Lisa
My husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our personal home insurance as well. He was beyond helpful in answering any questions and was actually able to help us find a plan which will save us money. We truly appreciate this company.
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Elizabeth

Over the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that one of the most valuable things we give to each other is our time. Larry routinely takes the time to call, and just check in. Our conversations usually begins with,
"is there anything I can do to help with.." Frankly, this isn't necessary as our business is completed during our open enrollment period. In short, Larry cares about people. I truly believe, he has our best interest at heart.
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O

Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get the coverage as soon as I asked him to.
I would strongly recommend.
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Paul
Service was awesome. Great experience all around. Definitely would recommend to anyone
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Nathan

Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a ton of money from our prior carrier! Highly recommend!
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Ashley

Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my policies and combined them, added additional coverage and brought it in at LESS than the cost of both combined policies!! If you have insurance needs, talk to Kevin.
Rhonda Savage, DDS
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Rhonda
I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. Whenever my insurance needs change he is quick to update my plan to the right coverage.
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Michael

Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!
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Ryan

Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage. Being skeptical of the promise, I challenged him to fix one very large problem with a supplemental insurance company. Not only was Larry Carlson able to solve our major issues with the carriers, he was able to get our medium size company better coverage at a greatly reduced rate. I would strongly encourage any company that would like to save money on their insurance costs to have Larry review their existing plan.
Carlson and Associates is a great company and I'm thrilled they are part of our team!
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PK
I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!
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Carley

Amy Haugen at Narrows Insurance has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge in the industry allows me the confidence that I have the coverage my company needs at a competitive price. TL
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Tommy

Betsy Hytinen and Pam Pyle are the best insurance ladies ever! They are on top of their game, and quick to getting you the best insurance possible. 10/10 recommend!
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Chloe
Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!
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Allyson

I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!
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Melissa

Betsy and Pam take such great care of our Family's insurance needs!
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Penny
Amy and Carlson Associates has been nothing but amazing. Amy answers emails as fast as we hit send and goes above and beyond to help us. We are in our first year of opening and she has guided us through everything and has helped us where we didn't even know we needed help. We are so lucky to have Amy as our agent.
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Jessica

Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!
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Dannelle

As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive, and most importantly she is always diligent about going to work for Blackstone to make sure we are properly insured at the most competitive price! I highly recommend Amy if you are looking for an insurance agent!
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Amy
Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and I insure all kinds of things, I refer him to my own customers for all of their insurance needs. The years of hard work Kevin has put in is so appreciated and I recommend him time and time again to get my clients, and myself good rates with quick and professional service! Thanks again, Kevin.
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Paige

Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more has proved incredibly valuable. I feel that my family is better protected and the amount of time and energy I need to spend coordinating the different elements of insurance dramatically decreased when I came to Kevin. He is a true expert who delivers outstanding service each time I need him. I feel lucky to have him as an agent and recommend him to anyone in need of insurance! Truly first class!
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Matthew

Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his pursuit of improving my plans. He has not only repeatedly improved my rates but he has been unwavering in his tolerance of my excessive questions. I don’t quite understand everything and Kevin has always ensured I am fully appraised of my plans and how they benefit me. I will be a lifelong customer and have recommended the majority of my family as I wouldn’t stand for them not experiencing the same care and quality. I value nothing more than a reliable and trustworthy advocate In the protection of what I’ve worked so hard for. Kevin is undeniably, exactly that.
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RBerr
Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has always responded to us in a timely manner. Also, when we had a problem (with our home) he came on-site, stay involved and was able to answer our questions. Carlson and Associates takes care of all our insurance needs, and we are appreciative!
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Laura

I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable, asks prudent questions and does his research. I feel at ease that he will always ensure we have good coverage without pressure from him. If you need insurance, he's your man!
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Trish

Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I trust to insure my personal assets, and is the resource I recommend to my family, friends and clients.
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Nicole
I was referred to Amy Haugen to help me with getting health insurance upon my retirement. This situation required me to use the state health care site that she is not allowed work with. This did not deter her from assisting me to navigate the frustrating State system. She was extremely helpful and professional in her assistance. She went above and beyond in providing guidance to include additional research to ensure her advice was correct. I appreciate her professionalism and will gladly refer her to anyone who is looking for health insurance help. If you want health care assistance, I highly recommend that you give her a call. Sincerely, Brent Miller
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brent

Amy is amazing to work with and has simplified my life! I have always been confused by insurance- car, house, business, horses... I could never keep track of all the details. We now have Amy organizing all of it! She proactively sends reminders and is available whenever I have questions about benefits or payments. I highly recommend her and love no longer having to worry about the details!
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Sara

Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and I insure all kinds of things, I refer him to my own customers for all of their insurance needs. The years of hard work Kevin has put in is so appreciated and I recommend him time and time again to get my clients, and myself good rates with quick and professional service! Thanks again, Kevin.
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Paige
Narrows Insurance has been my go to insurance agent for several years. They are proactive and very quick to respond to any questions and make sure that I have the best coverage and prices. They have gone out of their way many times to help me and I would recommend them to anyone who is looking for great customer service. They always follow up and the service is exemplary!
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Janet

Narrows Insurance is SO great to work with! They are easy to get in touch with, and answer questions and make changes for us super quickly! Pam & Tom are wonderful and so kind!
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Natalie

The best ever!! We finally found an agent,
Betsy Hytien, who understands our needs. This has not been the case during our 20 years in our own business. She is the best!!
Thank you Carlson and Betsy????????
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Marti
Absolutely stellar customer service. Quick responses on all quotes and questions, and Betsy went out of her way to help us find the best value policy while maintaining excellent coverage. She is a pleasure to work with!
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Jennifer

Ive been with this company for 8 years and everyone has been so helpful and professional. They are quick to get things changed when issues arrive. I love them!
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Tanisha

I came to these guys late on a Friday with a challenging commercial/business related insurance need and they were able to push through and get it signed by the next day and with a reasonable rate. They really went the extra mile. They were very professional, and had a “can do” attitude.
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Ammon
Great Company and great people (Pam). If you have insurance questions, I encourage you to give them a call and find out for yourself.
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Ron

Working with Narrows Insurance made insuring my home and auto a painless experience. On top of that, we were able to get much better pricing on our premium due to the extra footwork and research done on our behalf. Being reliable, patient and of quality expertise are all reasons why I'd recommend Narrows Insurance to my friends and family.
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Avery

I appreciate the personal attention I receive from Narrows Insurance (Pam Pyle and Betsy Hytinen). I recently refinanced my house in the midst of switching insurance coverage and they worked with my mortgage company for a smooth transition. I have been with them for a few years now and I appreciate they continue to shop the best coverage for me.
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Ann
Antone was very quick to answer all my questions and was able to get me competitive quotes and coverage where other companies couldn't provide coverage for what I was needing. I don't feel like I was getting the run around! So glad that he was referred to me!
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Jaime

Bettye helped me with moving all of my policies into her very capable hands and saved me money. I greatly appreciate people like her taking care of people like me. Her world makes my head swim.
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Susan

Betsy went above and beyond to help coordinate the canceling of my other policy and finding me new rates that lowered my payments in half! She has been very responsive and prompt when I’ve reached out regarding help and has gone out of her way to check in with me regarding the policy cancellation!
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Julia
After over 30 years at State Farm I contacted Kevin Owens for a review of my insurance for my Home Cars and boat. He promptly got me quotes and explained the different coverage options. The saving was considerable and the coverage was better. If I have any questions, he gets back to me immediately. I strongly recommend him for your insurance needs.
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Peter

Betsy H. Was very quick, efficient and extremely knowledgeable in her response to my business insurance inquiry. Not only professional, she did not miss a detail in my final product. I would recommend Betsy to anyone looking for personal or business insurance!
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James

I am proud to recommend Mrs Kathy Lien, for a selfless and reliable investment service, I was constantly looking for a reliable platform to invest and my friend introduced me to her platform and I realized this is the best platform to invest on because she maintains discipline in her investment, relationship and strategies to ensure the complete transparency and credibility of her investors. if you want to be financially successful invest in her platform now, Contact her Via: Email; kathylien466@gmail.com WhatsApp:+1 856-895-1549
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Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Narrows Insurance - Your local Independent Insurance Agency Your go-to source for Business Insurance, Employee Benefits, Auto Insurance, and Home Insurance in Gig Harbor, Tacoma, Port Orchard, Bremerton, Auburn, Kent, and surrounding areas.

Reliable Auto Insurance Tailored to You

Homeowners Insurance Solutions for You

Business Insurance Solutions

Employee Benefits by Design

Partnering with the top Insurance Carriers Our Partner Companies

Why Choose Narrows Insurance?

What our Clients are saying:

Contact us today! Get Insurance Quotes from Multiple Companies

Blog

Insurance Basics | 1st Time Policyholders

5 Important Crime Insurance Coverages

Premium | 11 Influential Factors that Determine Your Payment