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 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

  • Multipolicy
  • New Purchase
  • Alarm Security
  • Sprinkler
  • 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.

Other Structures

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.

Personal Liability

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)
  • Condo
  • 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.

  • 5 star ratingKevin 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... read more

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    Becky
  • 5 star ratingWe recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.

    Juliette Avatar
    Juliette
  • I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!

    Melissa Avatar
    Melissa
  • Betsy Hytinen and Pam Pyle are the best insurance ladies ever! They are on top of their game, and quick to getting you the best insurance possible. 10/10 recommend!

    Chloe Avatar
    Chloe
  • Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has... read more

    Laura Avatar
    Laura
  • Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!

    Ryan Avatar
    Ryan
  • Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I... read more

    Nicole Avatar
    Nicole
  • 5 star ratingOver 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 more

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    O
  • Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read more

    Tommy Avatar
    Tommy
  • Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and... read more

    Paige Avatar
    Paige
  • Betsy and Pam take such great care of our Family's insurance needs!

    Penny Avatar
    Penny
  • 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 more

    Rhonda Avatar
    Rhonda
  • Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his... read more

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    RBerr
  • 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 more

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    Michael
  • 5 star ratingMy 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 more

    Elizabeth Avatar
    Elizabeth
  • Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!

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    Allyson
  • 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 more

    PK Avatar
    PK
  • Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more... read more

    Matthew Avatar
    Matthew
  • Service was awesome. Great experience all around. Definitely would recommend to anyone

    Nathan Avatar
    Nathan
  • As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read more

    Amy Avatar
    Amy
  • I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read more

    Trish Avatar
    Trish
  • Amy and Carlson Associates has been nothing but amazing. Amy answers emails as fast as we hit send and goes above and beyond to help us. We are in our first year of... read more

    Jessica Avatar
    Jessica
  • Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!

    Dannelle Avatar
    Dannelle
  • I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!

    Carley Avatar
    Carley
  • 5 star ratingI'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... read more

    Lisa Avatar
    Lisa
  • 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 more

    Ashley Avatar
    Ashley
  • 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 more

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    Paul

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