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Homeowner Insurance

from Spangler Insurance

Homeowner Insurance

Protect That Expensive Investment the Right Way

It’s well known that Seattle is a competitive and pricey real estate market. When you find the home of your dreams, you want to protect it with the right homeowner insurance. This offers your property protection if the worst happens. Without this coverage, you would wind up paying out of your own savings to repair or reconstruct your home, which is out of reach financially for most folks these days.

What Does Homeowner Insurance Cover?

Homeowner insurance covers both the inside and the outside of your home in the event of fire, storms, vandalism, and other kinds of disasters. It pays to repair or rebuild a damaged structure, as well as covers the interior of your home. That includes your furnishings, electronics, appliances, clothing, and other personal belongings.

Some valuables are not included in a typical homeowner policy, but we can add scheduled coverage easily for things like:

  • Jewelry
  • Coins
  • Collectibles
  • Precious metals
  • Firearms
  • Furs
  • Artwork
  • Antiques

Most mortgage lenders today require homeowner insurance. We always recommend it for our clients in the Seattle area if for no other reason than the extreme weather events that have been coming our way lately. If you’re concerned about flooding or earthquakes, we can add coverage for those kinds of catastrophes, too.

Homeowner Insurance Provides Broad Protection

With most homeowner policies, you also get liability coverage. This pays out for things like slip-and-fall injuries on your premises or dog bites. It covers you and the members of your household worldwide, not just at home, and liability protection can be increased with a personal umbrella policy for a million dollars or more of coverage.

Ask about loss of use coverage or alternative living expenses. This part of your policy pays for you to live away from home during repairs or rebuilding, if you can’t live in your home following a claim.

The Right Insurance Agents with the Right Coverage

You don’t want to leave the protection of your largest asset to an impersonal insurance company where you’re just a number and where you have limited insurance products to choose from. Instead, opt for independent agents like Spangler Insurance.

We give you highly personalized service and a wide menu of homeowner insurance choices. You will appreciate the old-fashioned attention to detail and treatment like family.

Give us a call today at 206-329-7447 to ask about starting a policy. Or get in touch online with your questions, and we’ll help you find the right coverage for your Seattle home.