For Washington homeowners
Home insurance in Washington got complicated. Getting better coverage shouldn’t be.
Rates keep climbing, carriers are dropping homeowners, and it’s hard to know if you’re even covered enough to rebuild. Cover the PNW explains it in plain English, then an independent broker shops many carriers to get you better coverage at a competitive rate.
Not sure where to start?
Overpaying at renewal?
If your premium keeps climbing, an independent review often finds better coverage for less. Here's how to tell.
DroppedGot a non-renewal?
A non-renewal isn't the end of the road. See the moves that usually restore coverage.
WildfireWorried about wildfire risk?
Washington homeowners face tighter wildfire underwriting. Know your options before your next renewal.
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How much home insurance do you actually need in Washington?
Not what you paid for the house, and not last year's number carried forward. Here's how to think about coverage amounts so you're not under- or over-insured.
What your lender requires before closing in Washington
Whether you're buying or refinancing, your mortgage lender has a short list of insurance boxes that must be checked before they'll fund the loan. Here's what they are.
What is the Washington FAIR Plan, and when do you need it?
If your insurer won't renew you, or a new carrier won't write your home, the Washington FAIR Plan may be your backstop. Here's what it covers, what it costs, and how it works.
Ready to see what better looks like?
Get a quote and let an independent broker shop Washington’s market for you: better coverage, a competitive rate, and real service.
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