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Home Insurance Olympia or Centralia Washington

You’ve made a great investment by purchasing a home, so it’s time to make sure that investment is protected. Homeowners’ insurance (also called home insurance) is the best way to protect your home, your possessions, and your pocketbook from whatever life can throw at you. 

When it’s time to purchase home insurance, it’s smart to review all your options before making a purchase. This means calling multiple insurers and keeping strict records of premiums and coverage options, before finally making a choice. It’s stressful and time-consuming, but it doesn’t have to be that way. 

Cross Insurance Agency can help you find the best home insurance in half the time and with none of the hassle. Our independent agents don’t work for carriers directly, so our goal is always to find the best coverage that works for you. At Cross Insurance Agency, you’re our first priority.

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Having home insurance can help you rest easy knowing that your assets are covered in an emergency. But what things are covered with home insurance?

Check out the list below to get the scoop on what your home insurance covers.

And if this is your first home, check out our blog post that gives you everything you need to know about home insurance for first time home buyers.

But remember, home insurance won’t cover a rental or a home business – home insurance is only for your home and possessions. Let your Cross Insurance agent know if you need renters’ insurance, business insurance, or other coverage.

What Your Home Insurance Covers

This coverage protects your home’s structure against damage and possible loss from a covered event such as a wind, hail, lighting, or fire. This part of your insurance policy will pay to replace the home’s structural components. However, some weather events, like flooding or an earthquake, are not covered and will require a separate policy.

This coverage covers structures such as detached garages, buildings, or sheds on your property. Typically, the coverage for other structures is 10% of your dwelling coverage, although higher amounts are available if you wish to purchase them.

This coverage protects items within your home or on your property should they be stolen, lost in a fire, or damaged under a covered loss. These items include but are not limited to, clothing, furniture, and other personal items.

However, some high-value items, like diamond rings or expensive computers, can set you over your personal property coverage limits. Talk with a Cross Insurance agent to determine if you need a separate endorsement or floater to cover any expensive items.

This coverage will provide you with living expenses if you can’t live in your home after a covered loss. This type of coverage will usually cover the cost of a hotel, restaurant bills, and other living expenses while your home is being repaired.

This coverage protects you if someone files a bodily injury or property damage lawsuit against you. This also includes things like your pet biting someone through a fence.

This coverage covers medical expenses for anyone who is injured while on your property.

Frequently Asked Questions about Home Insurance

Is home insurance required? 

No, it’s not required unless you have a mortgage. If you don’t have insurance, your lender may buy insurance for you and send the charges later. So, it’s in your best interest to get coverage now!

If you had this happen to you, check out this guide from the CFPB to sort out your insurance.

Why should I get home insurance?

Say you’ve paid off your mortgage and no longer “need” home insurance. Even though it’s not required anymore, you should still get home insurance.

Home insurance prevents you from paying out-of-pocket fees after accidents or disasters. And it covers far more than just your home – it can cover medical fees, replacement costs, legal fees, and more.

Just know that there are exclusions to every policy. For instance, flood and earthquake insurance is not included in a standard home insurance policy. So, while insurance is an amazing safety net, make sure you have the coverage you need or it won’t help.

What factors affect my home insurance rates?  

Many things can impact how much your insurance costs. According to The Balance, your yearly rates (also called your premium) can be impacted by multiple factors, including:

There are more factors that can affect your insurance rates, so talk to a Cross Insurance agent today to see what can lower your rates.

What does home insurance NOT cover?  

Home insurance won’t cover some disasters like floods, earthquakes, mold, or nuclear damage. You’ll have to buy separate coverage for each. Preventable damage also isn’t covered, such as rodent damage, pest infestations, or damage from leaky pipes.

Home insurance can also vary based on other factors. For instance, depending on where you live, some insurance carriers won’t cover damage from hurricanes or tornados. Others have lower limits on property coverage, so they may not replace any expensive items.

All insurance policies have exclusions, so you should check with your Cross Insurance agent to make sure your chosen policy covers what you need, otherwise you’ll need additional coverage, like home warranty coverage.

Who has the best home insurance?

It depends – there will never be a one-size-fits-all home policy that fits everyone perfectly. Home insurance policies vary from person-to-person depending on your needs, budget, and coverage requirements.

That’s why Cross Insurance is so helpful. As an independent agency, we use our years of insurance experience to sort through options from multiple carriers. We want to help you find a policy that fits you and your budget so you’re not underinsured or overpaying.

Get a quote to find the best home insurance for you!

How can I find the best coverage when there are so many options?

Finding the best coverage that also has a reasonable premium can feel like trying to find a needle in a haystack. But that’s why we’re here! Our agents at Cross Insurance Agency are insurance experts, and they know how to find the best policy to protect what you need.

Worried about finding one that fits your budget? Don’t worry – our agents can guide you through rate comparisons, discounts, and flexible payment options. They may have some money-saving tips too, particularly if you are considering bundling your insurance with an auto or specialty insurance policy.

Get a quote today to get started!

Why should I choose Cross Insurance Agency to help me find home insurance?

Here at Cross Insurance Agency, we always strive to be:

Choosing Cross Insurance Agency means you get a friendly agent who lives where you do and has years of insurance experience.

For more information, check out our blog post on calling an independent insurance agent for auto or home insurance.

What does the process of getting insurance look like, and how long does it take?

The first step is getting a quote, followed shortly by a call from an agent. Then you and your agent will discuss what kind of home insurance you need and how much you’re willing to spend.

Afterwards, you’ll have all the information you need to purchase the right home insurance for you.

If I wanted to switch my insurance, what would that look like?

The switching process couldn’t be easier with Cross Insurance Agency. We offer same-day coverage for most risks, and we’ll walk you through how to cancel your prior insurance.

We’ll also go over how to notify the mortgagee you’re changing policies. If you don’t want to switch, you should still be in contact with a Cross Insurance agent, especially if one of the following has happened to you:

What do I need to purchase home insurance? 

Firstly, you’ll need to know your current insurance carrier and any gaps in your coverage.

You’ll also need to know the following things to explain to a Cross agent:

It also helps to have a list of your personal items that need to be insured so your agent knows what your policy will need to cover. All in all, make sure you know the state of your home and possessions so your agent can more readily help you. 

If you have questions about home insurance or Cross Insurance Agency, you can contact us via a phone call, text, or email. You can also use our booking website to schedule a visit.

Or, if you need to manage your policy, you can use our client self-service portal or our mobile app. We’re here for you whenever you need!

Get a Quote

Cross Insurance represents the top-rated insurance companies in Washington. We will compare pricing and coverage options finding you the best policy for your needs. Call us at: 888-438-6708 or click the button to the right to send us a message for your quote.

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