Home Insurance

Great coverage and excellent service at reasonable prices from reputable insurers.

Home is where the heart is, and should be protected as such.

We, therefore, offer many unique coverages such as guaranteed replacement cost, personal injury, plumbing, slow leaks, equipment breakdown, septic/sump backflow, identity theft, sewer line, and roof/siding matching. Our agency specializes in home insurance–often writing more than any other Farmers agency in Washington State–and Farmers is known for offering some of the most competitive rates in the industry.  

4.9/5 rating based on over 100 reviews.

Click below to see how we have been exceeding expectations for over 20 years.

Insurers We Work With

We work with a variety of Insurers but here are a few of our most popular.

Available Coverages

Dwelling

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

Separate Structures

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

Personal Property

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.

Loss of Use

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.  

Medical

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.

Liability

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.  

Loss Assessment

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.  

Extended Replacement Cost

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.  

Guaranteed Replacement Cost

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. 

Ordinance

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.

Personal Injury

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.  

Matching

 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.   

Plumbing

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

Identity Fraud

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

Sewer & Drain

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

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

Slow Leak

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

Equipment Breakdown

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.  

Find a better policy.

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