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Homeowners insurance for Washington homes.
HO-3, HO-5, condo, renters, dwelling-fire, and earthquake — quoted with carriers that actually understand Puget Sound and Eastern WA risks.
What we cover
- Dwelling, other structures, personal property, loss of use
- Personal liability and medical payments to others
- Water backup, service line, equipment breakdown endorsements
- Earthquake and flood (separate policies)
Common questions
Is earthquake covered on a WA homeowners policy?
No — it's a separate endorsement or standalone policy. In seismic zones like the Puget Sound region, we recommend at least a quote.
Does flood insurance come with my policy?
No. Homeowners policies exclude flood. Flood is written through the NFIP or private carriers; we can shop it either way.
How much dwelling coverage should I carry?
Enough to fully rebuild at today's construction costs — not the market value or purchase price. We run a reconstruction cost estimate as part of every home quote.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.