Individuals & Families

Homeowners insurance forWashington homes.

Puget Sound weather, rising rebuild costs and a tightening market. We shop your home coverage across carriers so you are not finding out at claim time that the limit stopped being enough years ago.

Get a Home Quote Call (206) 878-1404

The Basics

The number that matters is rebuild cost, not market value.

Your dwelling limit should reflect what it would cost to rebuild your house today — labour, materials, permits and debris removal — not what it would sell for. Those two numbers have moved apart sharply in South King County, and a policy written years ago is often well short.

The gap shows up at the worst possible time. If your limit is below the actual rebuild cost, most policies reduce what they pay on a partial loss too, not just a total one.

We review the dwelling limit, the deductible structure and the endorsements most Washington homes need. Then we market it, rather than letting a renewal increase land unexamined.

Dwelling limit checked against current rebuild cost
Water backup and service line endorsements reviewed
Bundling with auto, usually the largest single discount
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What we'll ask for:

Year built and square footage
Roof age and material
Any updates to wiring, plumbing or heating
Claims in the last five years
Your current declarations page

What's Included

Coverages on a homeowners policy

Dwelling

Rebuilds the structure itself after a covered loss. This is the limit most often set too low.

Personal Property

Your belongings. Usually a percentage of the dwelling limit, and often capped for jewellery, tools and electronics.

Personal Liability

If someone is injured at your home or you damage someone else's property. Worth more than the state-minimum mindset suggests.

Loss of Use

Pays for somewhere to live while your home is repaired. In a tight rental market this limit matters more than people expect.

Other Structures

Detached garage, shed, fence or deck. Usually a set percentage of the dwelling limit.

Endorsements

Water backup, service line, scheduled valuables and extended replacement cost. Most Washington homes should carry at least the first two.

Home Insurance FAQs

Does homeowners insurance cover flooding?

No. Flood damage from rising water is excluded from standard homeowners policies and needs separate flood coverage. Water that backs up through drains or sewers is also excluded unless you add a water backup endorsement — which is inexpensive and one of the more common claims we see in this area.

Does it cover earthquake?

Not under a standard policy. Earthquake coverage is a separate policy or endorsement. Given where we live, it is worth at least getting a number on it so you are declining it knowingly rather than by default.

My premium jumped at renewal. Can you re-shop it?

Yes, and that is the right moment to ask. Carrier appetites for Washington property have shifted, and the company that was competitive three years ago often is not now. Send us your declarations page and we will market it.

Will my roof age affect what I can buy?

Often yes. Many carriers restrict or surcharge older roofs, and some decline them outright. It is one of the first questions we ask, because it changes which companies will even quote.

Is bundling with auto actually cheaper?

Usually, and it is typically the single largest discount available. We quote it both ways so you can see the real difference rather than taking it on faith.

Let's check your dwelling limit.

It takes a declarations page and a few minutes to find out whether you are underinsured.

Get a Home Quote Call (206) 878-1404

No obligation. Monday–Friday, 9:00 AM – 5:00 PM.