Looking for Homeowners Insurance in Washington state?
PNW Insurance Group can help you find homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing. If you don’t own the home you are currently living in, renter’s insurance is another type of insurance coverage that is a necessity to make sure you are properly protected.
If you’d like to get a home insurance quote or just want more information, give us a call or email us!
Note: if you are looking for homeowners insurance for a rental property, or home that is unoccupied, you cannot use a traditional home insurance policy. You need “specialty dwelling” which is a separate policy we can also help you with.
Whether you live in Puyallup, Ferndale, Monroe or any other part of Washington state, homeowners insurance is one of the most important insurance policies you could ever own.
What is home insurance?
Home insurance is one of the best ways to protect your home and belongings in the event any damages are caused to your residence. Home insurance can also provide coverage for accidents that may take place in your home or on your property. If the homeowner files a claim for any damages or accidents that take place on the property, they are required to pay a deductible.
It’s important to understand that no two home insurance policies are created equal. Different home insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations that may vary.
Common Homeowners Insurance Coverages
These are some common types of coverages you often see on a home insurance policy.
Dwelling
This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.
Other Structures
This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.
Personal Property
This covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically, anything that would fall out of your house if you turned it upside down and shook out the contents, this coverage will repair or replace those items.
Loss of Use
This covers your living expenses if you are living somewhere else temporarily because your primary home is uninhabitable due to a loss.
Medical Expense
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Family/Personal Liability
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your coverage limits, consider things like your income and the assets you own. The coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella Insurance policy may be necessary to provide extra coverage.
Scheduled Personal Property
There are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc.
Things NOT Typically Covered on Home Insurance
These are common events and property damages that are often not covered on a standard home insurance policy.
Earthquakes
Standard homeowners insurance policies typically do not cover property damage caused by an earthquake. If you are a homeowner, we highly recommend purchasing an Earthquake Insurance policy to properly protect your home.
Floods
Homeowners insurance generally does not cover water damage caused by a flood. If you’re looking for Flood Insurance in Puyallup, or any other part of Washington state, PNW Insurance Group has you covered.
Maintenance Neglect
Mold, mildew, rust, general wear and tear, and even termite damage are all things that will typically not be covered on home insurance due to a lack of maintenance.
Deciding how much coverage you need can be intimidating if you aren’t sure what damages are and aren’t covered by your home insurance. If you’d like some peace of mind or simply would like to get a homeowners insurance quote, don’t hesitate to give your local and independent insurance agents a call!
Puyallup Homeowners Insurance
If you’re not using an independent insurance agent in Puyallup like us, it can be hard, if not impossible to tell the difference between two home insurance policies. We’d love to help!
Trying to cut back on costs and save some money? Bundling your home and auto insurance policies together is an easy way to receive potential discounts and lower your premium.
We pride ourselves on our customer service by getting to know you, what you need and what your concerns are – quick overview or done in detail, whichever you prefer. We have lots of options available for you to choose from and can help save you valuable time.
How to get started with your homeowners quote:
To get started on your home insurance quote today simply call our office directly or complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!
Every home is unique, and therefore requires a carefully crafted homeowners policy. We understand you may be concerned about the specifics of your home which is why we are happy to share that we serve clients all across Washington state in cities like Puyallup, Ferndale, Monroe, Tacoma and yes even Spokane!
Our local and independent insurance agency is ready to answer all your questions about homeowners insurance and give you advice on the best coverage options available based on your specific insurance needs. Get your online quote from one of our independent home insurance agents today!