Home Insurance — Washington State
Protect Your Home and Everything In It
Your home is your biggest investment. We shop Washington's top carriers to find you comprehensive homeowners coverage at the best available rate.
What Does Homeowners Insurance Cover?
Homeowners insurance is a package policy that protects your home's structure, your belongings inside it, and your personal liability if someone is injured on your property. Most mortgage lenders require it — but even if yours doesn't, going without it is a serious financial risk.
Washington homeowners face unique risks: windstorms, wildfires in eastern Washington, flooding near rivers, and earthquake exposure throughout the state. Understanding what's included — and what's not — helps you build a policy that actually protects you.
Home Insurance Coverage Explained
Standard homeowners policies include several coverage types. Here's what each one does — and what's excluded.
Dwelling Coverage (Coverage A)
Pays to repair or rebuild your home's structure after a covered loss — fire, windstorm, hail, lightning, vandalism, and more. Your dwelling limit should reflect the cost to rebuild your home, not its market value. We help you calculate the right amount.
Other Structures (Coverage B)
Covers detached structures on your property — garages, fences, sheds, and guest houses. Typically set at 10% of your dwelling limit automatically. If you have a large detached garage or workshop, you may want to increase this.
Personal Property (Coverage C)
Covers your belongings — furniture, electronics, clothing, appliances — if they're stolen or damaged by a covered peril. Standard policies cover personal property at actual cash value (depreciated). Replacement cost coverage pays what it costs to buy new — worth the upgrade.
Loss of Use / Additional Living Expenses (Coverage D)
If your home becomes uninhabitable after a covered loss, this pays for hotel stays, restaurant meals, and other extra living costs while repairs are made. Typically 20–30% of your dwelling limit. Critical coverage most people overlook.
Personal Liability (Coverage E)
Protects you if someone is injured on your property or you accidentally damage someone else's property. Covers legal defense costs and judgments. Standard limits are $100,000–$300,000. If you have significant assets, consider an umbrella policy on top.
Medical Payments (Coverage F)
Pays medical bills for guests injured on your property — regardless of fault. Typically $1,000–$5,000. Helps avoid small claims from becoming lawsuits by covering minor injuries quickly.
What's NOT Covered: Flood
Standard homeowners policies do NOT cover flood damage. Washington has significant flood risk near rivers and coastal areas. Flood insurance is purchased separately through the National Flood Insurance Program (NFIP) or private carriers. Ask us about your options.
What's NOT Covered: Earthquake
Earthquake damage is excluded from standard policies. Washington sits on active fault lines — the Cascadia Subduction Zone poses a major risk. Earthquake coverage is available as a separate policy or endorsement. We strongly recommend it for Washington homeowners.
Replacement Cost vs. Actual Cash Value
Replacement cost pays what it costs to replace items new. Actual cash value deducts depreciation — a 10-year-old TV might only pay $50 even if a replacement costs $400. Replacement cost coverage costs more but pays significantly more after a loss.
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We compare Washington's top carriers to find you the right coverage at the best price.
Home Insurance — Common Questions
Get Your Home Insurance Quote
We compare Washington's top carriers to find you the right coverage at the best price. Takes just a few minutes.