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Washington Home Insurance

If you buy your home using a mortgage lender, they likely require you carry Washington home insurance for the duration of your loan. Washington home insurance offers property damage protection for your investment. There are a few different policies for single family homes, including the basic policy called the HO-2 policy. This policy covers damages caused by fire, smoke, vehicles, aircraft, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and riots. The broad HO-3 policy provides bodily injury liability, protecting you in case someone has an accident on your property.

Washington Home Insurance Coverage

Washington has a few perils that are not as evident in other states—the possibility of volcanic eruptions and earthquakes. Washington home insurance covers damages caused by volcanic eruption, but will not cover damages from earthquakes, landslides, or floods. Homeowners can usually add coverage to their existing policy, but may to buy additional insurance for earthquakes and landslides/mudslides. Homeowners have to purchase flood insurance to cover damages caused by flood waters. Homeowners can review the “exclusions” section of their Washington home insurance to see what will not be covered.

Washington Home Insurance Rates

Washington home insurance fell below the national average cost for home insurance in 2003. Homeowners paid on average $549 for their property damage coverage. The rates rose 20.4% from 2001 to 2003. The rates can rise from year to year depending on how much it cost an insurance provider to do business in the state previously.

Saving Money

Many Washington homeowners wish to lower their premium rates. Homeowners can receive discounts from insurance companies for installing alarm systems, deadbolts, and smoke detectors throughout their home. Homeowners can also opt to reduce their premium by raising their deductible. This can shave some much needed dollars off an annual premium. Savings can be found by shopping around before buying Washington homeowners insurance.

Washington Department of Insurance

The Central Building, Suite 650/MS: TB-03
810 3rd Avenue
Seattle, WA 98104
Phone: (206) 464 – 6263

For other Washington Insurance Resources, See:

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