Homeowners Insurance
Homeowner's Insurance in Washington, Oregon and Arizona
Homeowner's Insurance
Your home is your sanctuary, and protecting it with the right homeowners insurance is crucial. Whether you’re in Port Angeles, across the Olympic Peninsula, or in Oregon or Arizona, DFG Insurance offers comprehensive homeowners insurance coverage to give you peace of mind. We work with top-rated insurance providers to find you the best rates and the most suitable coverage for your home and belongings.
At DFG Insurance, we understand the unique needs of homeowners in the Pacific Northwest and beyond. With our expert guidance, we’ll help you select the right policy to protect your home, your family, and your personal property, so you can focus on what matters most.
What Does Homeowners Insurance Cover?
A homeowners insurance policy is designed to protect you against unexpected events. Here’s an overview of the key coverages included in most policies:
Dwelling Coverage
This protects the structure of your home against damage from perils like fire, wind, hail, and vandalism.
Personal Property Coverage
This covers your belongings, such as furniture, electronics, clothing, and other personal items, in the event of theft, fire, or other covered incidents.
Liability Coverage
This protects you if someone is injured on your property or if you accidentally damage someone else’s property.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary housing, food, and other living expenses.
Medical Payments
This covers medical costs if someone is injured on your property, regardless of who is at fault.
Flood Insurance
Available as an add-on, this provides coverage for water damage from floods, which standard homeowners insurance doesn’t typically cover.
Frequently Asked Questions
What’s the difference between actual cash value and replacement cost?
Actual cash value (ACV) takes depreciation into account, so you’ll receive a payout based on the current value of your home or personal property. Replacement cost coverage doesn’t factor in depreciation and will cover the full cost to replace your property or rebuild your home, regardless of age or wear.
Is flood insurance included in my homeowners policy?
Standard homeowners insurance does not cover flood damage. However, you can add flood insurance to your policy for comprehensive protection. Our team can help you explore flood insurance options that suit your needs.
Does homeowners insurance cover theft?
Yes, homeowners insurance generally covers theft of personal belongings, both inside your home and sometimes outside (such as a stolen bicycle or portable electronics). Be sure to check with your agent about the specific terms of your policy.
How can I lower my homeowners insurance premium?
You can reduce your premium by opting for higher deductibles, bundling your homeowners and auto insurance policies, or installing safety features like smoke detectors, security alarms, or deadbolt locks. Ask us about available discounts!
What is liability coverage in homeowners insurance?
Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. This coverage helps with legal and medical expenses if you are found at fault.
