Homeowner Insurance
When your home is damaged or destroyed, you want an insurance company that will respond quickly with calm efficiency. Shea Insurance can help you find the home insurance that will give you the peace of mind to know you are covered when disaster strikes.
Whether you're a first-time homeowner or about to retire to your dream home, the right home insurance policy can provide you the money you need to repair or replace your home, belongings, or both in the event of a fire, flood, or other covered events.
The Right Choice for Your Home
Homeowner insurance policies differ by the type of residence, value of your belongings, and the level of coverage you choose.
You can select different types of insurance based on your personal housing situation and the assets you want to protect.
Typical coverages may include:
Dwelling Protection: This covers the cost of repairing or rebuilding your home if it's damaged by a covered event, such as fire or hurricane.
Personal Property Coverage: Protects personal belongings like furniture, electronics, and clothing against theft, damage, or destruction.
Liability Protection: Covers legal fees and medical bills if someone gets injured on your property and decides to sue.
Additional Living Expenses (ALE): Covers extra costs incurred, like hotel bills, if you're temporarily unable to live in your home due to a covered event.
Additional Options
Additional coverages that may also be available:
Flood Insurance: Standard policies typically don't cover flood damage. If you live in a flood-prone area, you might need to purchase this separately.
Earthquake Coverage: Like flood insurance, earthquake damage isn't usually covered, so homeowners in earthquake-prone regions might consider this addition.
Scheduled Personal Property Coverage: Offers additional coverage for high-value items, like jewelry or artwork, which might exceed the personal property coverage limit.
Sewer Line Backup Coverage: Offers additional coverage in the event that your home is damaged by a sewer or drain backup.
Get in touch to find out how to get the best price and value on home insurance for you.
Frequently Asked Questions About Washington Home Insurance
Market value reflects what a home may sell for, including land and location. Rebuild cost focuses on the estimated cost to repair or reconstruct the structure using similar materials and labor.
Personal property coverage refers to belongings inside the home, such as furniture, clothing, and electronics. Items are valued based on defined methods and limits.
Liability protection relates to situations where a homeowner may be responsible for injury or property damage involving others. It is typically included as part of a standard homeowners policy.
Loss of use refers to situations where a home becomes temporarily uninhabitable. It is associated with additional living arrangements and related expenses.
Dwelling coverage refers to the portion of a policy that relates to the structure of the home itself. It is based on the estimated cost to repair or rebuild the home using similar materials.
Ready to Get Started?
Shea Insurance can help you find the right homeowner insurance policy. Contact one of our helpful team members or start your quote online today.
