Protect the place that matters most.
Who it's for
Homeowners, landlords, condo owners, and renters.
Your home is more than a structure — it's where your life happens. Our home policies protect the building, your belongings, and your liability exposure.
Choose replacement-cost coverage so you can rebuild without compromise, plus optional protection for jewelry, electronics, and home offices.
Bundle home and auto for some of the best multi-policy discounts in the state.
Key benefits
Your home insurance is built from several distinct coverages. Here's what each one actually does.
Rebuilds the physical structure of your home.
Dwelling protects the house itself — walls, roof, foundation, built-in appliances, and attached structures like a garage. Limits should reflect the cost to rebuild from scratch (not market value). We help you choose between actual cash value and replacement cost so you can rebuild without compromise.
Detached structures on your property.
Covers structures not attached to the home: detached garages, sheds, fences, gazebos, and even in-ground pools. Typically set at 10% of your dwelling limit, but adjustable when you have significant detached buildings.
Your belongings — inside the home and out.
Furniture, electronics, clothing, kitchenware — even things stolen from your car or hotel room while traveling. Coverage applies anywhere in the world. Standard policies include sub-limits on jewelry, firearms, and collectibles, which can be raised with scheduled endorsements.
Hotel, food & extra living costs after a covered loss.
If your home becomes uninhabitable after a covered claim, Loss of Use pays for hotels, restaurant meals, pet boarding, laundry, and other extra costs — so your daily life keeps moving while repairs happen.
Protects you if someone is injured or you cause damage.
If a guest is injured on your property — or you (or a family member) accidentally damage someone else's property — liability covers legal fees, settlements, and judgments. Even applies off-premises in many cases (e.g., your kid breaks a neighbor's window).
Goodwill medical coverage for guest injuries.
A small no-fault coverage (typically $1,000–$5,000) that pays for minor medical bills if a guest is hurt on your property — no lawsuit required. Helps keep small incidents from turning into liability claims.
Higher limits for valuables: jewelry, art, firearms.
Standard policies cap how much they pay for high-value items. Scheduling them adds broader coverage (including mysterious disappearance) and removes the deductible. Essential for engagement rings, fine art, watches, and collectibles.
What standard home insurance does NOT cover.
Floods and earthquakes are excluded from every standard homeowners policy. In Washington, both are real risks — we can place separate flood (NFIP or private) and earthquake policies to fill the gap.
We'll walk you through it and build a policy that actually fits — no jargon, no upselling.
