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Washington Homeowners Insurance
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Whether you own a house, condominium or townhouse, for most people
their home is their most important investment. We offer Washington homeowners insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
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Insurance for your home is one of the most popular and important forms of
personal insurance and the typical Washington Homeowners Insurance policy has two main sections: |
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Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of lawsuits
arising from things that happen on your property) |
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Homeowners insurance is often required by lenders to obtain a mortgage
and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance. |
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Washington Homeowners Insurance Policy
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Click on the link below to fill out a quote request form for a Washington
Homeowners Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Washington Homeowners Insurance Agent specialist at 888-202-9921 to discuss the features. |
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Personal liability in a Washington homeowners insurance policy is also an important part of
having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
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Washington Homeowners Insurance Policy
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Click on the link below to fill out a quote request form for a Washington Homeowners
Insurance policy that will provide excellent insurance coverage at an affordable cost. Or you can speak with our Washington Homeowners Insurance agent specialist at 888-202-9921 to discuss the features. |
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We are a local Seattle, Washington area insurance agency, offering affordable
homeowners insurance policy premiums and comprehensive insurance services to residents of the following cities and counties: Mill Creek, Lynnwood, Alderwood Manor, Mountlake Terrace, Brier, Lake Forest Park, Sheridan Beach, Woodinville, Hollywood, Woodway, Bothell, Maltby, Clearview, Monroe, Cathcart, Snohomish, Everett, Lake Stevens, Redmond, Yarrow Point, Clyde Hill, Medina, Mercer Island, Eastgate, Hazelwood, Kirkland, Shoreline, Edmonds, Mukilteo, Marysville, Tulalip, Bellevue, Sammamish, Bremerton, Renton, Fairwood, Coalfield, Bryn Mawr, Skyway, Newcastle, White Center, SeaTac, Issaquah, Riverton Heights, Tukwila, Normandy Park, Kent, Des Moines, Federal Way, Auburn, Tacoma, Burien, Kingston, Port Gamble, Hansville, Sultan, Startup, Gold Bar, Bainbridge Island, Port Blakely, South Beach, Kitsap County, Snohomish County, Pierce County, and King County, WA. |
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Covered losses under a Washington homeowners insurance policy can be paid on either a
replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the Washington home insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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Washington Homeowners Insurance Policy
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An "All Risks" policy provides the broadest Washington homeowners insurance
protection because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard Washington Homeowners Insurance policy and typically include fire, hail, windstorm, and other physical losses. |
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All Risks or Named Perils
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Washington Homeowners Insurance Policy
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If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 Washington Homeowners Insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your Washington Homeowners Insurance policy would only pay $4,500. |
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Coinsurance Penalty
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Washington Homeowners Insurance Policy
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Personal Liability
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your insurance needs should be discussed with a licensed insurance agent. |
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Copyright 2007-2008 Pugh Insurance Group
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Washington Homeowners Insurance
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PUGH
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Insurance Group
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Insurance Coverages
Insurance Solutions
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Homeowners Insurance
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Pugh Insurance Group
18323 Bothell Everett Hwy
Suite 330
Mill Creek, Washington 98012
Snohomish County, WA
888-202-9921
Fax: 888-704-4408
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PERSONAL INSURANCE
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Toll Free: 888-202-9921
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