Insurance Masters NW
Insurance Masters NW
  • Home
  • Schedule a Call
  • Refer
    • Refer
    • Referrals
  • Protect
    • Manage Policies
    • Services
    • Carriers
    • Documents
    • AI/Cert Request
    • Buying Insurance
    • Auto
    • Home
    • Life
    • Business
  • Grow
    • Welcome
    • American Dream Experience
    • Basics
    • Books
    • Principles
    • Resources
    • Supplements
    • Wealth Plan
  • About
    • About
    • Your Team
    • Mission/Values
    • Reviews
    • Transparency
    • FAQ
    • Contact Us
  • More
    • Home
    • Schedule a Call
    • Refer
      • Refer
      • Referrals
    • Protect
      • Manage Policies
      • Services
      • Carriers
      • Documents
      • AI/Cert Request
      • Buying Insurance
      • Auto
      • Home
      • Life
      • Business
    • Grow
      • Welcome
      • American Dream Experience
      • Basics
      • Books
      • Principles
      • Resources
      • Supplements
      • Wealth Plan
    • About
      • About
      • Your Team
      • Mission/Values
      • Reviews
      • Transparency
      • FAQ
      • Contact Us
  • Home
  • Schedule a Call
  • Refer
  • Protect
  • Grow
  • About
brick home on landscaped property

Home Insurance Tips

Most people don't think much about their home insurance, but the 3 most common things people forget to include are...

  • coverage for valuables, collections, etc. - every carrier has different limits on things and it's important to review to make sure all your stuff is covered! After a claim is too late to find out.
  • backup of sewer/drain coverage - if you have a basement, particularly if it's a finished basement, you NEED this coverage! It's normally excluded if the sewer line backs up.
  • building coverage if you own a condo. The interior fixtures, flooring, cabinets, counters, etc. are usually NOT covered by the condo association insurance! 


Flood Insurance 


Flood, for insurance purposes, is defined as a body of water rising. Period. This is often confused with a pipe bursting and "flooding" a basement or any other damage caused by a lot of water.

If you are in a potential flood zone you should secure flood insurance.

For the other issues some general tips....

- make sure all pipes are in good repair - have your sewer line routinely scoped
- leave heat on when traveling to prevent pipes freezing - insurance carriers won't cover pipes bursting because the heat was turned off
- have people check on your home when you are out of town - subsequent damage caused due to lengthy time before discovery is not covered by insurance and can be spendy!
- check draining, seals, slopes, gutters, etc. to make sure things are clean/maintained/adequate. Insurance won't cover damage
- check into backup of sewer/drain coverage. If you have appliances in the basement or a finished basement it is TOTALLY worth adding this coverage

Earthquake Insurance


Earthquake insurance is becoming more and more common as fears of "the big one" increase. A few notes on earthquake insurance...

  • It's not often included in regular home insurance unless you are in a low-risk area or are grandfathered 
  • It typically has a % deductible as it's for the "big one." If there is a tremor and the china hutch falls over the deductible will not be reached
  • Pricing and carrier options are dependent on the age of the home, location, and if the home has been earthquake retrofit

We have carriers that will go down to 2.5% deductible at a reasonable cost.

Learn More

Want an agent that will make sure things are set up correctly?

Find out more

Let's chat!

We love to help, so feel free to schedule a call by clicking HERE. 

Insurance Masters NW

503-419-6421

Hours

*by appointment

Drop us a line!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

  • Home
  • Schedule a Call

Insurance Masters NW

503-419-6421

Find me at BrokerCheck. 


Copyright © 2018 Insurance Masters NW - All Rights Reserved. 

IMNW is an affiliate of Chambers Bay & Avenue Ins.

Cookie Policy

This website uses cookies. By continuing to use this site, you accept our use of cookies.

Accept & Close