Greater Seattle Home Insurance

Covers the home and anything permanently attached to it.  Coverage is based on a replacement cost valuation.  

Covers detached garages, accessory dwelling units, sheds, and fences.  

Covers your belongings, including furniture, electronics, clothing, kitchenware, etc.  Coverage is based on the value of your belongings.  There are sub-limits, which can be increased, on valuables and items that are frequently stolen.

Covers additional living expenses (primarily a hotel, apartment, or rental home) if your home is rendered uninhabitable by a covered loss.  Coverage is based on living expenses and the time it might take to rebuild.  

Covers medical expenses if a guest injures themselves.  Keep in mind that if a guest holds you responsible for injuries, liability coverage would respond, so we consider this coverage to be optional.

Protects you financially if held responsible for most injuries or property damage outside of a motor vehicle.  Examples are injuries caused by a trip/slip on your property, dog bites, or while playing sports.  We recommend limits of at least $300,000.  

Typically helps pay special assessments after a loss that is covered by the association’s master policy, when that master policy has a large deductible or exceeds limits.  

Increases coverage for the dwelling, which can be helpful if building costs increase unexpectedly.  For coverage to apply it is important to notify us of any remodels.  

Guarantees your home will be replaced with one of like kind and quality, regardless of the cost.  For coverage to apply it is important to notify us of any remodels. 

After a loss, you likely will have to obtain building permits. During this process, you are sometimes required to upgrade to meet the most current building codes.  The ordinance covers these upgrades.  Unless the home is relatively new or has been renovated, at least 10% coverage is recommended, more for older homes that have not been upgraded.

Covers libel, slander, defamation, etc.  This can be important if you or your family use social media.  This coverage is automatically included with an umbrella policy.  

 If just a portion of your roofing or siding is damaged, and materials cannot be found to match the current roofing or siding, matching will pay to replace the remaining roofing or siding to match.  This is typically only necessary for older homes that have not been updated, where materials may be obsolete.   

If water escapes from plumbing, that plumbing typically is not covered.  Plumbing coverage adds coverage for this situation.  

Primarily covers legal fees and lost wages associated with the restoration of credit.   

Many home policies cover water damage caused by a sewer line blockage.   Sewer and drain add coverage for damage caused by reverse flow from a sump/septic system, or an overfilled septic system.   

Service line adds coverage to repair underground plumbing or wiring, which is typically not covered.

Coverage for slow leaks that occur over time, which are typically not covered.  

Coverage for mechanical breakdown, electrical or electronic breakdown, or rupture, bursting, bulging, implosion, or steam explosion of covered home equipment resulting from a covered cause of loss.  Does not cover wear and tear.