Seattle is a popular destination for waterside living, expansive views, and diverse architecture. If you live in a luxury neighborhood in Seattle, you need homeowner insurance that truly reflects the value of your property.

Perhaps you own a home in nearby Medina or Bellevue. If so, you probably need high-net-worth homeowner insurance for proper protection of your home and personal property.

This type of insurance offers higher caps and coverage for things like exotic finishes, custom-built architecture, historic properties, and exterior amenities like pools, tennis courts, and stables.

You can opt for full replacement coverage too in the event of damage from storms or fire. Homeowner insurance also protects you in case of vandalism or theft.

Your home’s interior is protected as well. This includes high-end decor, custom appliances, electronics, and personal belongings.

Are You a Luxury Condo Owner in Seattle?

You have unique needs because you don’t need protection for your entire building, only your property. We can find the right policy for your condo, similar to luxury home insurance.

This protection includes all the standard elements. Plus, it covers luxury finishes you may have added, such as custom kitchen elements, marble baths, and imported hardwood flooring.

Don’t Forget to Add Scheduled Coverage for Your Valuables

Collectibles and valuables in your home should have their own coverage. We can easily add this to your homeowner policy. Let us know about these items so we can make sure they’re fully protected:

• Wine
• Fine art
• Antiques
• Musical instruments
• Furs
• Jewelry
• Precious metals
• Coins
• Memorabilia
• Books
• Firearms

Seattle Is at Risk of Flooding and Earthquakes

To fully protect your Seattle property from natural disasters, it’s wise to add flood and earthquake insurance based on your location. This gives you greater peace of mind if the unexpected occurs. It’s simple to add a flood policy or earthquake endorsement to your homeowner insurance.

Personal Umbrella Coverage for Liability Risk Management

To supplement your homeowner liability coverage, we recommend adding a personal umbrella policy to reduce your financial risk, especially if you are a:

• High-net-worth individual
• Public figure
• Frequent entertainer
• Horse or dog owner
• Swimming pool owner

Umbrella insurance picks up when your other insurance reaches its cap, including your auto insurance. It can give you millions more in liability coverage for things like accidents on your property, and it even covers legal fees.

Let Our Agents Tailor a Luxury Seattle Homeowner Policy for You

When you partner with our independent agents at Spangler Insurance, you get the benefit of both custom insurance solutions and many more insurance products than you find with big companies.

For a private client experience and a policy tailored to your unique luxury home needs in Seattle, call us at 206-329-7447. Or use our convenient online form to start a policy anytime at your convenience.

Get a Free Homeowner Insurance Quote