Seattle Home Insurance

Also Serving Everett, Shoreline, Wenatchee, Methow Valley  & Areas Across Washington State

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What Kind Of Homeowners Insurance Do I Need?

• Single-family homes require a standard homeowners insurance policy. And to keep it simple, you can start a homeowner's insurance quote here
• Condos and co-ops require condo insurance. Visit our condo insurance section to find out more.
• If you are renting a property, you will need renters insurance. Our renters insurance section will tell you more on this.

Since there are so many things to consider when you're buying homeowners insurance (are you renting an apartment or are you buying a large estate), we're happy to provide you a free quote or you can call one of our licensed agents to get a quote that is specialized for you

Things To Consider And Questions To Ask Your Agent

Here are few things to discuss with your agent that will influence your decisions.

• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
• What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Condos are such a convenient option with minimal maintenance. But even though you don't have to worry about outside work, you do have to protect what's inside.

Who Benefits From Condominium Insurance?

Condo insurance is beneficial for all condo owners as well their visitors. In fact, most mortgage companies require condo owners to purchase a policy for the duration of their loan. Condo insurance may cover damaged, lost or stolen property due to fire, theft or natural disaster. This protection could extend to interior furnishings, including walls, flooring, ceilings, appliances and fixtures.

In addition, this type of policy could cover you against liability claims. If you are found liable for a visitor’s injury, condo insurance could cover associated medical expenses and/or legal fees.

How Much Condominium Insurance Do You Need?

The necessary amount of condo insurance largely depends on the value of your possessions. By determining how much it would cost to replace your possessions, you can estimate the policy size that would be appropriate for your individual needs. Our agents are happy to work one-on-one with you to customize your coverage to your specific situation.

Contact us today to learn more about protecting your home with condo insurance.

Who Needs Renters Insurance?

Renters insurance is for anyone renting a condo, apartment, house or anything else.

What Does Renters Insurance Cover?

• Your personal belongings (clothes, furniture, electronics, etc.). You can work with our agents to determine what level of renters insurance coverage you may need and whether you need additional coverage for jewelry and higher-priced items.
• Injuries and lawsuits against you. Renters insurance will cover other people's medical bills if they're hurt at your place and it will cover you if someone else sues you over personal injury.
• Temporary living expenses. If your place is damaged and you need someplace to stay, renters insurance will cover living expenses.

Decide How Much Insurance You Need

Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.

If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.