Homeowner resources
Resources
Plain-English guides for Washington homeowners: better coverage, lower rates, wildfire, non-renewals, and more.
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.
What you need for a Washington home-insurance quote (and how to get one fast)
Getting a quote is quicker than most homeowners expect. Here's the short list of what to have handy so you can get a real number in minutes.
When should you actually look at your home insurance in Washington?
Most homeowners only think about insurance once a year, at renewal, or after something goes wrong. Here's when it actually pays to take a closer look.
How wildfire risk scores work in Washington, and why they matter for your coverage
In much of Eastern Washington, a property's wildfire score quietly shapes whether you can keep your insurance and what it costs. Here's what the number means and how to check it.
The home you're buying has an insurance history, here's how to check it
Before you fall in love with a house, know this: its past insurance claims can affect whether you can get covered and what you'll pay. Here's how to check.