Homeowners Insurance:
Your home is likely one of the largest investments you'll make. It has been estimated that the average homeowners insurance policy in the US provides about $0.70 of coverage for every dollar it would take to reproduce the home. Our clients are often surprised by how high of property and liability limits are needed to insure them well; and equally surprised to learn how affordable it is when they are willing to work with higher deductibles. Our licensed agents will work with you to determine which type of homeowners is right for your specific situation.
Renters Insurance:
People who rent their residence often neglect to insure against losses to their personal belongings and personal liability. This coverage is very affordable, and often results in additional discounts on your automobile policy when you purchase these coverages from the same company.
Condominium Unit Owners Insurance:
A condominium association typically has a master policy in place to provide coverage for the structure. However, the individual unit owner still has a lot invested from “the sheetrock in”, with property that is both attached to the structure, as well as personal belongings. Personal liability is also included with this policy.
Innkeepers Insurance:
Contact Jeff Ogard, CPCU, CIC, our Vice President responsible for EHL’s personal lines, if you own a B&B at your residence or if you desire coverage for vacation rental property.
Flood Insurance:
While most homeowners and dwelling fire policies provide coverage for water damage when the water originated within the plumbing fixtures of the home, flood is almost universally excluded as a covered peril. Sometimes a financial institution requires flood insurance before they will approve your loan. EHL can navigate this sometimes confusing federal insurance program for you.
Earthquake Insurance:
Geologists have warned that the “big one” could strike Western Washington at any time. The reason why about five out of six homeowners do not purchase this coverage is due to increasing premiums and deductibles. Earthquake insurance is for the truly catastrophic quake that could cause your home to “walk” off its foundation. Some insurance companies are removing earthquake coverage from existing policies and refusing to issue any new quake coverage; and some companies have stripped their coverage to the point of making their product unattractive to the informed consumer. EHL can help you understand the risk factors that make quake damage more or less likely for your property; and we have an array of companies willing to issue the coverage in an assortment of terms.
Natural Disaster Insurance:
Natural Disaster Insurance combines coverage for earthquake, landslide and flood into a single policy. This is the product for people concerned with the landslide exposure. And, if you want to insure against flood and/or quake, this is a way to have all combined onto one policy.
