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 your home or belongings is damaged provides peace of mind knowing you won’t 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 Northwest including Gig Harbor, Tacoma, Kent, Auburn, Port Orchard and all areas surrounding
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 the 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.
Pesonal Property Coverage
Your home is filled with a different items such as clothing, electronics, furniture and many more items 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 so you have somewhere to stay while your home is 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 and 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 polices cover up to $500,000. If you think you may need more you can 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)
Homeowners 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.
Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read moreRhonda
I've been a customer of Carlson and Associates since moving to Gig Harbor 5 years ago. I currently work with Antone who is fantastic! He listens to what we are needing in regards to policies... read moreLisa
Kevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he puts... read moreBecky
Over the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that... read moreO
My husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read moreElizabeth
I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read moreMichael
Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a... read moreAshley
Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage.... read morePK
Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read morePaul