Washington is known for being a rugged and beautiful state,
from the scenic coast to the eastern border. This presents
special problems for residents to find the right Washington
home insurance that will protect and restore life to normal if
something happens. Buying home insurance is a little
more complicated because of the
potential need for special coverage, but it can still be
affordable for smart shoppers.
Basics of Washington Home Insurance
Home insurance policies in Washington consist of several
components, each providing a different type and level of
coverage. It is important for homeowners to review and adjust
each component based on personal needs. The most common
- Dwelling – the cost to repair or replace the home
- Additional Structures –pays for repairs on other
structures on the property, like detached garages, tool
sheds or green houses.
- Personal Property – covering items in the house, such
as furniture, appliances, and clothing.
- Additional Living Expenses – the money to live
somewhere else during home repairs
- Personal Liability – funds to pay for damage to other’s
property by the home’s residents or on the property.
- Medical Payments – provides money to pay medical bills
for someone injured on the property.
Additional Coverage for Washington
Home insurance normally covers a list of fourteen specific
perils, like fire, theft, wind and hail damage, or vandalism.
However, many other things can cause damage to a house.
Fortunately there is a way to purchase additional, specialized
coverage, called “endorsements” for these risks which provides
the full protection needed. Homeowners may consider purchasing
endorsements such as:
- Sewer backup – damage caused by sewer backup is not
covered by standard policies.
- Code & Ordinance Protection – to pay for any
additional changes required to meet current code standards
during repairs, including required upgrades to undamaged
parts of the home as well.
- Debris Removal – provides funds to remove debris from
property, caused by storms or other natural disasters.
- Earthquake – unless this coverage is added to a policy,
damage due to earthquake is no covered.
- Boat, RV, ATV or Trailer coverage – standard coverage
on these items is quite limited with most policies; buying
an endorsement guarantees full coverage against
Affecting Washington Home Insurance
As part of the process to determine insurance premiums,
companies look at numerous items to identify the amount of risk
being insured. Many factors are controllable, so with a little
effort homeowners can easily reduce home insurance rates.
- Security Items – installing dead bolt locks, smoke
detectors, and fire extinguishers lowers rates.
- More extensive measures, like a monitored security
system or sprinkler system, save even more.
- Age of property – new plumbing, heating, and electrical
systems are less likely to cause problems.
- Remodeling – consider protective upgrades, such as
choosing fire resistant materials, reinforcing roofs
against wind damage, or adding storm shutters.
- Fire Protection – the proximity and quality of the
local fire department does matter, as does the distance to
the nearest fire hydrant.
- Backyard Items – make sure trampolines or outdoor pools
are fully fenced to prevent children from wandering
Money on Washington Home Insurance
Despite the rising cost of home insurance, there are ways to
reduce the cost of the policy without risking the level of
- Good Credit Scores – persons with good credit
statistically file fewer claims, and enjoy lower rates as a
- Multi-Policy Discount – purchasing both home and auto
insurance from the same company will produce lower rates
for both types of insurance.
- Claim History – Absorb small claims yourself, rather
than filing everything with the insurance company. A good
claim history will lower rates, while a frequent claim
history can eventually result in denial of coverage.
- Non-smokers discount – families with no smokers will
pay less for home insurance.
Seniors Discount – Since retirees are more likely to spend
more time at home, they can respond more quickly and thus
limit damage during an incident.
Best Way to Save Money on Washington Home
The absolute top way to lower home insurance costs is to
shop and compare prices on identical policies from several
companies. Fortunately this is easy to do online. In fact it’s
as easy as clicking on the “Get Quotes” button below to
instantly be matched with high quality companies offering home
insurance in Washington. Click on the three or four that sound
best and request a free quote. Before you know it, you’ll have
the right coverage at a great price. Don’t wait one minute
longer – click below and start saving now!
For more ways to save on Washington Home Insurance, read
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