Homeowner’s Insurance is one of the most important investments a homeowner in Renton, Washington can purchase. It can save you thousands of dollars in the future, and can give you peace of mind today.
The Pacific Northwest is known for its unpredictability. The weather can change on a dime, and no matter where you live, crime rates are increasing. Winter storms, fires, theft, and accidents can happen when you least expect them, and it’s best to be covered when they do.
If you are looking for a homeowners insurance provider, fill out a homeowner online quote or call Renton’s licensed home insurance agents at Vern Fonk today. We are extremely experienced and educated in all homeowner’s insurance has to offer and we know we can get the right insurance policy to meet your home coverage and financial needs.
Homeowner Insurance in Renton
Homeowner’s insurance (sometimes called Hazard Insurance, or Home insurance) is a very common type of insurance designed to protect the structure of a home, the valuables inside and the people inside during certain kinds of accidents.
These are some of the types of policies Vern Fonk in Renton offers:
What does Home Insurance Cover?
There is no simple answer to this question. It depends. It depends on the policy. Most policies cover:
Dwelling Coverage: This protects against the damage of your house’s structure if a covered claim like a hurricane, tornado, hail, trees falling, lightining or fire hits your home. It can help cover the costs to repair the damage parts of the home and even cover the cost to rebuild if necessary. (A separate policy usually needs to be purchased for floods and earthquakes, ask one of our agents for more info).
Personal Property: This covers the costs to replace or fix items inside of the home. This can help if any of the above accidents happen or if someone vandalizes or breaks in and steals items inside your home. This can include applicances, jewelry, furniture, electronics, etc.
Personal Libility Protection: This protects you against any lawsuits or medical bills are brought up by someone who is injured on your property. The amount of coverage varies, and it is usually advised to speak with an agent to see if purchasing more coverage is necessary.
Why Do you Need Homeowner’s Insurance?
Most people are required by the company who holds their home’s mortgage to have a minimum amount of home insurance on their property. Sometimes these minimums are not enough. Even if your home’s mortgage is paid off, it is wise to look into getting home owners insurance to cover you just – in – case.
We never know when something bad will happen. And even if you think you have enough in your savings account to cover any damages that could be incurred, a curve ball could be thrown and your life savings could be drained in minutes.
Be wise, and get a good homeowner’s insurance policy to cover you, your home, your loved ones, valuables, and friends today!
Renton, WA 98057
Phone: (425) 434-4037
Fax: (425) 988-2818
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Locations in WA & OR