Let me show you what you need to know when looking for homeowners insurance in Washington. First, I found this place to be great for providing information on insurance for Washington residents. The following is a list of possible questions and answers that many people have found useful.
Water has flowed all over my home from a busted pipe. Will I be covered? Yes, a standard policy provides coverage for accidental release of water from a faulty plumbing system. The damage to your home and personal property is usually fully covered. Make sure your policy has this included in it, as it’s a standard coverage item.
How about vandalism? You should have coverage for damage to your house and personal property up to your policy limits, which varies per the policy you choose. Make sure to create a detailed list of all your personal items and the total value of the property within your home.
A large tree fell and destroyed my roof. Will this be covered? 90% of the time you are covered for damages to your home. You should have at least a $500 limit in your policy to cover the cost of cleaning the fallen trees from your property. Usually, $500 is the most you can receive regardless of the trees that are cleared. You should be provided more detailed information on this situation, as some restrictions do apply. For example, you need to remove trees that pose a threat to your property in the case of a severe storm. It is also good to know that if your neighbors tree happens to fall on your property you should be fully covered to have the debris removed.
What do I do, I have lost everything in a storm? So, do you have a detailed list of all your belongings in your home? You need to apply a fair market value to all of your items and provide it to your insurance company. I suggest taking pictures as well, in order to guarantee payment.
Can I afford good homeowners insurance?
