Home Insurance - Protecting Your Biggest Investment
Home insurance policies are designed to help prevent you from unexpected occurrences to your home. Making sure that you are protected when at home or when belongings are damaged provides peace of mind knowing you will not be suffering a major financial setback. Our agency as insurance brokers have a wide number of options and customizations through a number of different companies to provide you with a policy that fits your needs.
Carlson & Associates provides home insurance in the Pacific Northwest including Gig Harbor, Tacoma, Kent, Auburn, Port Orchard and the surrounding areas
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Important Home Insurance Coverages
- Dwelling Limit (Rebuild Cost of Home)
- Other Structures
- Personal Property
- Additional Living Expenses
- Personal Liability
- Medical Payments to Others
- Scheduled Personal Property
Home Insurance Discounts
- New Purchase
- Alarm Security
- Claim Free
- New Home
Dwelling Coverage (Rebuild Value)
Property or Dwelling Coverage is what pays to rebuild or repair your home in the event of a catastrophe such as a fire or windstorm.
Coverage for secondary structures that aren't directly attached to your home. These could include buildings such as detached garages, sheds, fences, awnings, etc.
Personal Property Coverage
Your home is filled with different items such as clothing, electronics, furniture and many more that can be costly to replace. This coverage helps you replace these items in the event of a loss such as a fire, theft, water damage and many more.
Additional Living Expenses
If you can't live in your home for a covered loss, this coverage will pay for any additional living expenses incurred making it easier to have somewhere to stay while your home is being repaired or rebuilt.
This coverage applies if someone is injured or their property is damaged and you are legally responsible. It covers the cost of damages as well as the cost to defend yourself. This coverage generally applies anywhere in the world.
It is important to factor in what assets you own and how much income you make when considering your liability limit amounts. Most policies cover up to $500,000. If you think you may need more you may consider an umbrella policy.
Medical Payments to Others
This covers immediate medical expenses for guests that are injured on your property. It does not cover you or any of your household members.
Scheduled Personal Property
Most home insurance policies have limits for special items inside your home such as jewelry, art, guns, and collectibles. You can add specific items onto your policy or increase these limits to make sure you have enough coverage for these items.
Types of Homeowners Insurance Policies
Homeowners (Owner Occupied)
Secondary Home (Owner Occupied)
Manufactured and Mobile Home
Renters Insurance (Tenant Occupied)
Homeowner policies can differ drastically in pricing and the broadness in coverage by the type of policy form you select, the amount of coverage selected, and the type of home that you are insuring.
Everyone’s situation for insurance is unique so it is important to find insurance that fits your needs. One of our insurance professionals can help assess what your needs are and help design a home insurance plan that will protect you at an affordable cost.
Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.