If you live in Lynnwood, Wa, you probably understand that getting a good home owner’s insurance policy is a must. The weather in this region is very unpredictable and it’s important to be prepared for the worst. A good homeowner’s insurance policy (aka Hazard insurance or HOI) in Lynnwood is essential for every home owner to have if they want peace of mind as they go about their daily lives.
You can fill out a quote online or call one of our expert Lynnwood home insurance agents at Vern Fonk if you’d like immediate assistance with a policy. If you choose Vern Fonk, you can rest assured that you’ll be getting a quality homeowner’s insurance policy for yourself and your family.
HOMEOWNER’S INSURANCE IN LYNNWOOD
Our Lynnwood homeowner’s insurance agency offers these types of home insurances:
Farm and Ranch
Homeowners (HOI, Hazard)
Valuable Personal Property Insurance
Mobile Home / RV
ABOUT HOME INSURANCE
Home insurance is a policy you can purchase to protect your home’s structure and the valuables inside. The coverage can protect your home from damage from fire, certain types of natural disasters and theft. Many home insurance policies also cover accidents that happen inside the home or on the property. This part of the policy would cover medical expenses if someone were to be injured. There are many different components that make up a homeowner’s insurance policy and each policy can be different.
It’s very important to discuss your home owner’s insurance policy with your agent in Lynnwood, WA. Not all homes are built the same which means not all policies should be the same as well.
Our agents in Lynnwood are certified and experienced and can help you understand which policy will suit your needs the best and keep you covered in the case of an accident or disaster. If you need extra flood or earthquake insurance they can help you with that as well.
Many mortgage companies will require the homes they lend on to have a minimum amount of homeowner’s insurance. Sometimes these minimums aren’t enough to cover expenses if something were to really go wrong.
Top Reasons Why You Need a Home Insurance Policy in Lynnwood, WA
There are countless reasons why you should insurance your home and its’ contents. Many people don’t think about them until it is too late and they’ll have to suffer the costly consequences. Here are some of the top reasons or scenarios that you should think about:
- If there was a fire or other covered natural disaster and you aren’t properly insured, you would have to come up with the money to cover the costs of repairs to your homes’ structure. These costs can really add up with the high cost of materials and labor. If you are properly insured and it were to happen, remember how much your deductible is and make sure to always keep that amount in your savings account so that you could afford to have everything fixed right away.
- If someone were to get injured at your home or on your property (ie, someone were to slip and fall down the stairs) you could be required to pay for any medical expenses that person may incur. If you have the right homeowner’s insurance policy, it can cover these expensive medical fees for you.
- Theft is something that many people think will never happen to them. Even if you live in the “safest” neighborhood, property theft rates has risen significantly lately, especially with the way the economy has been. Large appliances, jewelry, family heirlooms, furniture and electronics are the most common things thieves go after. These items can be expensive to replace, and if you’ve had them covered in your policy, you’d be happy you did!
Home owner’s insurance isn’t for everyday fixes and routine maintenance. It’s there for the big emergencies. Talk to a qualified Vern Fonk Home Insurance Agent in Lynnwood today if you have any questions or would like a free quote!
Lynnwood, WA 98037-4549
Phone: (425) 954-1911
For All Vern Fonk
Locations in WA & OR