Personal Insurance: Home Insurance

Property

• Personal Property - Where is it insured?

  When you travel on vacation, or pack up all your earthly belongings in a U-Haul truck, suddenly you wonder, “Is all my stuff insured?”

• Much of your home’s value is what’s inside

  Most will agree a home is not just a pile of bricks and mortar. Rather, a true “home” comprises much more, including everything inside it.

• PERSONAL PROPERTY - How is it insured?

  The loss of our personal items to fire, theft, vandalism, natural disaster or any other cause creates a financial loss as well as being unsettling to our lives. So, how do you insure all your stuff?

Claims

• Liability - Are Dog Bites Insured?

  About 4.5 million people are bitten by dogs each year, most of them children and injuries cost Homeowners insurance companies $1.136B in 2022.

• How to check for damage after a storm

  We have a few steps on how to check your property for damage after a storm

• WILDFIRE -- Take these steps to protect your rural home
• Prevent claims with fall maintenance checklist

  Prevent claims before they happen with our fall maintenance checklist.

• Malden wildfire hits home for former local bus driver
• Flooding – Is my home covered from damages?

  Some years, our region has plenty of snow which can lead to flooding after it has melted. Is your property covered when that happens?

• Wind Damage - If my fence got blown over, is it covered?
• Windstorm & Hail – am I covered?
• WATER DAMAGE ~ Am I Covered?
• Water Damage ~ is flood excluded in a Homeowners policy?
• Water Damage ~ if water backs-up through my sewer or drain am I covered?
• Water Damage ~ if waters leaks through my foundation am I covered?
• Water Damage ~ if my roof leaks is the water damage covered?
• WIND DAMAGE ~ Am I Covered?
• Wind damage - Part of my roof is gone, so will my Homeowners policy cover it?
• Wind damage - My tree damaged my neighbor’s car, so am I liable?
• Wind damage - My big tree fell in my yard, so will my policy pay to remove it?

Maintenance tips

• Indoor & outdoor spring cleaning tips
• Spring is coming so prepare your home
• 10 Things to Do to Prepare Your Home for Fall

  Fall is a wonderful time in the Pacific Northwest — if your home is ready for it. Find out how to prepare your home here.

Optional Coverage

• How to protect your most cherished possessions

  

  While your homeowners insurance is invaluable for covering the loss or destruction of many of your belongings, it might provide only partial coverage for your most cherished items.

• Plugging holes in a homeowners policy

  Even though your Homeowners insurance policy provides great coverage it still contains some necessary exclusions. Here's how we can help you with that.

• Identity Recovery Insurance

  For as little as $1 per month premium you can have Identity Recovery Insurance added to your Homeowners policy.

General

• The importance of Renters Insurance

  If you live in a rental home or apartment, chances are you don’t have the proper insurance.

• 6 things you need to know before buying a second home

  You’ve been through the home-buying process before so you know what to expect, but there are certain factors unique to buying a second home that you'll want to consider. Find out more here.

• Do You Have Enough Coverage to Rebuild Your Home?
• RENTERS INSURANCE – EXPLAINED

  Renters or Tenants Insurance is a fundamental insurance coverage for anyone who rents an apartment as their primary residence. 

• Renters’ Insurance - QUIZ
• Flooding - Ways to protect your property
• Answers to renters insurance quiz
• HOMEOWNERS – What coverage is provided?

  Not all homeowners insurance policies are the same. Coverage and pricing can vary greatly from company to company and state to state. If you have a coverage question please contact us.

• CLUE Report - do I need one before I buy a home?

Exclusions

• Jewelry & Firearms - Is special coverage needed?
• Coverage gaps - College Students & Your Homeowners Policy

  Beware of coverage gaps while your college student is away at school.

• BUSINESS USE -- Does my Homeowners policy exclude business activities?

  If you have a home-based business you need some answers to your questions.

• Business Use - How does my Homeowners policy define 'business'?

  “Business” is a specifically defined term in your personal Homeowners insurance policy.

• Business Use - Does my Homeowners policy exclude buildings used in business?
• Business Use - Is business property covered by my policy?
• Business Use - What limitations apply to Personal Liability and Medical Payments coverage?
• Business Use - Can my home-based business be covered by my Homeowners policy?