From unexpected natural disasters to theft or vandalism, having homeowners insurance gives you peace of mind. And finding the best coverage to protect your home starts with understanding your options. Take a look at some common coverages to get familiar with:
Coverage A: Dwelling
Pays to rebuild or repair your home.
Coverage B: Other Structures
Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences.
Coverage C: Personal Property
Covers your personal belongings, including furniture, clothing and appliances, if they are stolen, damaged or destroyed.
Coverage D: Loss of Use
Pays for additional living expenses if your home is uninhabitable due to a covered loss.
Coverage E: Personal Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Coverage F: Medical Expense
Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
Optional Coverages for Washington
We also offer a variety of optional coverages you can purchase to better protect your home — often at an affordable price. For instance, if you live in Washington you might want to consider adding coverage for the following.
Washington Home Insurance for Flooding
Did you know that your standard homeowners policy doesn’t cover damage to the structure of your home or your personal property if damaged by flooding? American Family offers flood insurance in Washington from the National Flood Insurance Program. This coverage will protect your home and its foundation, your personal belongings and everything else that makes your house a home. Whether you live in a flood zone or not, it’s a good idea to have this coverage.
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Home Insurance for Earthquakes in Washington
Washington is no stranger to earthquakes — in fact they occur nearly every day — but thankfully many are so small they’re barely noticed. Large earthquakes are less common but can cause significant damage. Despite the minimal activity, you may want to consider adding earthquake coverage, since damage from earthquakes isn’t covered by your homeowners policy.
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