Homeowners insurance in Edmonds, WA for older homes, view homes and everything in between

Homeowners insurance pays to rebuild your house, replace your belongings and cover your legal liability if someone is hurt on your property. The most important number on your policy is the dwelling limit, which should reflect what it would cost to rebuild your home at today’s construction prices, not its market value. In the Puget Sound area, rebuilding costs have climbed quickly, and many older Edmonds policies have not kept up.

What home insurance covers

• Dwelling: the structure of your home, including attached decks and garages.
• Other structures: detached garages, fences, sheds and ADUs.
• Personal property: furniture, clothing, electronics and other belongings.
• Loss of use: hotel or rental costs while your home is being repaired.
• Personal liability and medical payments: injuries to guests and damage you cause to others.

Local issues for Edmonds homeowners

Puget Sound homes face windstorms that bring down trees, winter freezes that burst pipes, and heavy rain that tests roofs and drainage. Standard policies do not cover earthquake or flood, both real risks in our region, and many exclude sewer backup unless you add it. Homes on bluffs or near the water, and older homes with original wiring, plumbing or roofs, can be harder to place. With several carriers available, we can usually find a company that fits.

Coverage worth asking about

• Extended or guaranteed replacement cost on the dwelling
• Water backup and sump pump overflow
• Earthquake coverage
• Service line and equipment breakdown
• Scheduled jewelry, art and collectibles
• Ordinance or law coverage for code upgrades after a loss