Exploring Homeowner’s Insurance Options
Home ownership is far more than a financial milestone; it is a profound source of security, stability, and immense personal pride. Your home is the cherished stage upon which you build a lifetime of memories, celebrate milestones, and share the everyday moments with the ones you love most. At Sentry Northwest, we understand this deeply. We believe in ensuring that you are fully prepared and protected should the unexpected occur, allowing you to focus on what truly matters. We recognize that your home is more than just its walls and floors – it is the very heart of your life, a sanctuary where your story unfolds.
What Risks Does It Cover?
- Fire Damage
- Theft Protection
- Windstorms
- Hail Damage
- Water Damage
- Liability Coverage
- Vandalism
- Falling Objects
- Personal Belongings
Frequently asked question
A standard policy (HO-3) typically provides coverage for your dwelling, other structures on your property (like a shed), your personal belongings, liability protection if someone is injured on your property, and additional living expenses if you’re temporarily unable to live in your home due to a covered loss.
Your dwelling coverage should be based on the estimated cost to rebuild your home from the ground up, not its real estate market value. This rebuild cost includes materials and labor specific to your home’s features and your local area.
No. Standard homeowners insurance policies explicitly exclude damage caused by floods and earthquakes. These require separate, specialized policies. We can help you explore these important options to ensure you have complete protection.
There are several ways! Bundling your auto and home insurance, installing security systems (alarms, deadbolts), choosing a higher deductible, and maintaining a good credit score are all common methods for securing discounts.
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