You worked hard to purchase a home or second home. Every property you own should be protected by homeowner insurance. If you have a mortgage, your lender no doubt requires this coverage.

Homeowner Insurance Covers Your Structure and Interior

Homeowner insurance is a great product because it protects both the house itself and your belongings inside. You get coverage for items like:

• The home’s frame and exterior
• Doors and windows
• Chimney and masonry
• Decks and porches
• Garages and sheds
• Interior walls and architectural elements
• Appliances
• Furniture
• Clothing
• Electronics
• Personal belongings

If there is a fire, severe storm, burst pipe, or other unexpected event, you don’t have to pay for repairs, replacement, or rebuilding out of your own pocket. Homeowner insurance also covers theft and vandalism.

Extra Coverage Is Smart for Special Situations

Protection for valuables

You may need to attach scheduled coverage for unique valuables, such as:

• Jewelry
• Furs
• Firearms
• Fine art
• Collectibles
• Antiques
• Precious metals

That way, all your possessions are protected.

Flood and earthquake insurance

Given your location in Washington, there are two other risks you may want to consider: earthquakes and floods. These disasters are two rare incidents that are not covered by a regular homeowner policy. But you can easily add flood or earthquake coverage for more comprehensive peace of mind.

Personal umbrella coverage

Personal umbrella insurance is a wise addition too. Your homeowner policy covers liability for things like accidents on your property. But umbrella insurance increases the amount of your protection in case of a larger claim or lawsuit. We recommend it for dog owners and high-net-worth individuals.

Airbnb property owners

Don’t forget that if you rent out a home or lease part of your home as an Airbnb or similar homeshare program, your homeowner insurance typically won’t cover it. You want host liability insurance in that case.

Different coverage for renters and condo owners

Are you a renter or a condo dweller? A homeowner policy is more than you need. We have special coverage tailored for your living situation. Just ask!

Get Personalized Service for the Exact Protection You Need

When you call a big insurance company, you only get to choose from a few homeowner products. But when you partner with an independent agency like Spangler Insurance, you get far more options — including coverage from all the big players — and a policy tailored to you.

Plus you receive personalized service that’s so rare but always welcome these days. Call us today at 206-329-7447 to ask about homeowner insurance to protect your investment, or start a quote online at your convenience.

Get a Free Homeowner Insurance Quote