Homeowners Insurance in Seattle, WA

Home insurance is essential for homeowners in Seattle, Washington, to help provide financial protection against potential risks.

At American West Insurance Agency Inc., we provide personalized service and competitive quotes from multiple carriers. Our team can help you get coverage tailored to your needs.

What Do Home Policies Cover?

Home insurance typically covers several key areas to protect homeowners from various risks. Here are the main types of coverage you can expect:

• Dwelling coverage—This can cover the structure of your home, including walls, roof and built-in appliances, against perils like fire, windstorms and vandalism.

• Personal property coverage—This may cover your personal belongings, such as furniture, electronics and clothing, after theft, fire and other covered events.

• Liability protection—This can provide coverage if someone is injured on your property and you are found legally responsible. It can help pay medical expenses and legal fees.

• Additional living expenses—This can help pay for temporary living costs, such as hotel bills and restaurant meals if your home is uninhabitable due to a covered event.

• Other structures coverage—This can include coverage for structures not attached to your home, like garages, sheds and fences

How Do Deductibles Work?

A deductible is paid out of pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and file a claim for $5,000 in damage, you will pay the first $1,000, and your insurance may cover the remaining $4,000. Choosing a higher deductible can lower your premium, but it also means you’ll pay more out of pocket in case of a claim.

Reliable Homeowners Insurance Near Me

If you’re looking for home insurance in Seattle, Washington, consider American West Insurance Agency Inc. We are committed to helping you find appropriate coverage. Contact us today to get started or request a free quote.