Home Insurance - Protecting Your Biggest Investment

Home insurance policies are designed to help prevent you from unexpected occurrences to your home. Making sure that you are protected when at home or when belongings are damaged provides peace of mind knowing you will not be suffering a major financial setback. Our agency as insurance brokers have a wide number of options and customizations through a number of different companies to provide you with a policy that fits your needs.

Home Insurance

Narrows Insurance provides home insurance in the Pacific Northwest including Gig Harbor, Tacoma, Kent, Auburn, Port Orchard and the surrounding areas

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Important Home Insurance Coverages

  • Dwelling Limit (Rebuild Cost of Home)
  • Other Structures
  • Personal Property
  • Additional Living Expenses
  • Personal Liability
  • Medical Payments to Others
  • Scheduled Personal Property

Home Insurance Discounts

  • Multipolicy
  • New Purchase
  • Alarm Security
  • Sprinkler
  • Claim Free
  • New Home

Dwelling Coverage (Rebuild Value)

Property or Dwelling Coverage is what pays to rebuild or repair your home in the event of a catastrophe such as a fire or windstorm.

Other Structures

Coverage for secondary structures that aren't directly attached to your home. These could include buildings such as detached garages, sheds, fences, awnings, etc.

Personal Property Coverage

Your home is filled with different items such as clothing, electronics, furniture and many more that can be costly to replace. This coverage helps you replace these items in the event of a loss such as a fire, theft, water damage and many more.

Additional Living Expenses

If you can't live in your home for a covered loss, this coverage will pay for any additional living expenses incurred making it easier to have somewhere to stay while your home is being repaired or rebuilt.

Personal Liability

This coverage applies if someone is injured or their property is damaged and you are legally responsible. It covers the cost of damages as well as the cost to defend yourself. This coverage generally applies anywhere in the world.

It is important to factor in what assets you own and how much income you make when considering your liability limit amounts. Most policies cover up to $500,000. If you think you may need more you may consider an umbrella policy.

Medical Payments to Others

This covers immediate medical expenses for guests that are injured on your property. It does not cover you or any of your household members.

Scheduled Personal Property

Most home insurance policies have limits for special items inside your home such as jewelry, art, guns,  and collectibles. You can add specific items onto your policy or increase these limits to make sure you have enough coverage for these items.

Types of Homeowners Insurance Policies

  • Homeowners (Owner Occupied)
  • Secondary Home (Owner Occupied)
  • Condo
  • Manufactured and Mobile Home
  • Renters Insurance (Tenant Occupied)

Homeowner policies can differ drastically  in pricing and the broadness in coverage by the type of policy form you select, the amount of coverage selected, and the type of home that you are insuring.

Everyone’s situation for insurance is unique so it is important to find insurance that fits your needs. One of our insurance professionals can help assess what your needs are and help design a home insurance plan that will protect you at an affordable cost.

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