Homeowner Insurance

from Insurance Services Group

Homeowner Insurance

For many, buying a house is the most important purchase you’ll ever make. So, when it comes time to get homeowners insurance don’t you want to work with an insurance agent who understands what it takes to protect your most valuable asset?

Insurance Services Group works with thousands of homeowners in Washington, Oregon, California, Idaho, Montana, Nevada, Arizona, Colorado and Illinois, helping our clients find home insurance that not only meets your needs but also provides customized coverage at a competitive price.

Our team of experts works with more than 30 insurance companies – giving our agents access to nearly the entire insurance marketplace.

When your home is damaged or destroyed you want your claim settled fast and efficiently – and we understand this simple fact. Whether you live in a house, apartment or condominium – finding the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.

Just like a home, every homeowner is different and the same holds true for homeowner insurance policies – which can differ greatly. Whether you own or rent, insuring your home can help protect you financially in the event of a fire, theft, vandalism, or other covered events.

Seattle Home Insurance

With our home office based in Washington, we’ve worked with hundreds of Seattle-area homeowners to help protect what matters most to them.

At Insurance Services, we understand the area, we know the market and we deliver the best products designed specifically for each homeowner’s needs.

Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that fits your needs

Getting insurance isn’t just about finding the lowest premium. It’s about making sure you have complete coverage. With access to so many different insurance companies – our team of agents can compare policies, premiums, and prices – offering our clients the highest level of coverage to fit your needs.

The Right Coverage. The Right Price. The Right Value

The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

  • Protection for Your Home - Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
  • Protection for You and Other People - Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
  • Medical Coverage - This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
  • Additional Living Expenses - If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
  • Protection for Your Belongings - If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
  • If You Rent Out Your Home - Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.

Tips: Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends beyond your homeowners coverage. Talk to us today to find out how to get the best price and value on home insurance for you.