If you own a home in the Mount Vernon, WA area it is extremely important that you have a good homeowner’s insurance policy. The weather in the Mount Vernon area changes by the minute and you can never be sure what mother nature is going to throw your way. A good home insurance policy can help you rest at night by protecting you, your home, and your loved ones from the extreme financial costs disasters and accidents can cause to your home.
A well balanced homeowner’s insurance policy (also known as Hazard insurance or HOI) can help save you thousands of dollars in the future. Vern Fonk in Burlington is ready to help you and your neighbors find a homeowner’s insurance policy that works with your budget and your coverage needs.
Burlington, WA Homeowner’s Insurance
Vern Fonk is typically known for our great car insurance rates, but we also offer many home insurance products. Here are some of our commonly sold home insurance products:
Home Owner Insurance
Vacation Home Insurance
Rental Home Insurance
Mobile Home Insurance
About Mount Vernon Homeowner Insurance
If you own a home you need a good homeowner’s insurance policy, and that’s a fact! Whether your mortgage company requires you to have one or not, you should still have some protection on your property, your home and your valuables.
Home insurance is an insurance policy that helps cover the costs of repairs and replacement if your home were to be damaged by a covered situation. A good hazard policy can also help cover the costs or repair and replacement of items inside your home if they are vandalized or stolen.
Each homeowner’s insurance policy covers different situations that the next policy. Some disasters are typically not covered, like floods and earthquakes, but extra insurance policies can be purchased for those situations. Here are some common situation that could be covered by a basic plan:
- Damage caused by fire
- Damage caused by windstorm, lightning, or tree damage
- Damage caused by tornado or hurricane
- Personal liability coverage
Homeowner’s insurance can also cover the costs of legal and medical fees incurred if there was an accident on your property and a guest was injured. This type of coverage is called “liability” coverage and a basic homeowner’s insurance policy typically comes with $100,000 worth of coverage. For some people this is enough but for others more coverage should be purchased. You should consider raising the amount of liability coverage on your home insurance depending on where you live, features of your home, and how many people you typically have over to entertain. For example, if your property is on a body of water, or if you own a pool or trampoline, or even a pet, your risk for accidents can greatly be increased.
We believe it is always a good idea to go over your current policy with an expert homeowner’s insurance agent to see what situations you are covered for and if you need to make any adjustments.
Call our expert homeowner’s insurance agents in Burlington, WA today for a free quote!
Mount Vernon, WA 98273
Phone: (360) 899-0086
For All Vern Fonk
Locations in WA & OR