Homeowners Insurance

Homeowners across the country need to be prepared for varying weather throughout the year including tornadoes, thunderstorms, hurricanes, and heavy winter snows. Residents of Puyallup and Shelton are no strangers to many of these events including heavy rain storms and occasionally severe winters. Horizon Insurance Agency LLC works closely with the nation’s top homeowners insurance carriers to offer policies that provide the coverage you need as a Washington homeowner.

As a local Washington agency, Horizon Insurance Agency LLC understands the many different needs of homeowners living throughout Puyallup and Shelton. We tailor each and every homeowners insurance policy to a homeowner and their unique home. Even though each policy is unique, you will find that most policies follow a similar structure. No matter where you are located or what your needs might be, our team of homeowners insurance experts will ensure that your policy provides the coverage you need at a great rate.

Washington Homeowners Insurance Coverage

  • Dwelling Coverage (home structure).
  • Coverage for additional structures on your property including carports, sheds, and other detached storage facilities.
  • Coverage for damages to personal property within your home including furniture, clothing, appliances, and electronics.
  • Property Theft Coverage
  • Liability Coverage
  • Loss of Use Coverage – Coverage for living expenses and lost income if you were forced out of your home due to a disaster.

Optional Washington Homeowners Insurance Coverage

  • Coverage for high-value items such as jewelry that are not included in standard coverage.
  • Identity Theft Coverage

Actual Cash Value or Replacement Cost options are available for most homeowners insurance policies. If items are damaged, destroyed, or stolen, Actual Cash Value policies will pay you the cost of the items minus depreciation. Replacement Cost provides you with the amount required to replace the item with one of equal value without deducting any amount for depreciation.

Flood protection is generally something that is not included in your standard homeowners insurance policy. Supplementing your homeowners insurance policy with flood insurance is a valuable investment for any homeowner. Flash flooding can occur anywhere without warning. Even those who do not live in a high-risk flood zone can be affected by floods.  At Horizon Insurance Agency, we will review your flood insurance options with you so that you can determine if this is a valuable addition to your policy.

Washington families can save money on homeowners insurance through various discounts including multi-policy discounts, hail-resistant roof discounts, new home discounts, claims-free discounts, home safety discounts, protective device discounts, and more. Our goal is to find all of the discounts that you qualify for, saving you the most money on your homeowners insurance policy.

A Washington homeowners insurance policy from Horizon Insurance Agency LLC offers peace of mind, knowing that you, your family, and your home are protected. Contact us today to find out more about homeowners insurance coverage in Puyallup and Shelton.