Seattle Home Insurance

Also Serving Everett, Shoreline, Wenatchee, Methow Valley  & Areas Across Washington State

Home insurance is critical for protecting you and your family in case of bad weather or a natural disaster. Not all home insurance policies are created equal, however, so it is important to speak with an insurance agent and make sure you are getting the right coverage for your home. 

The agents at Empire Insurance Brokers are dedicated to providing reliable and affordable home insurance coverage for you and your family so you can stay safe and covered. 

What Does Home Insurance Cover? 

A basic home insurance policy through Empire Insurance Brokers covers four main areas: 

Dwelling Coverage 

Dwelling coverage provides compensation for damages to the physical home and its attached structures caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents. If a bad storm damages your home or its garage, for example, dwelling insurance can provide compensation. 

Personal Belongings Coverage 

Personal belongings coverage provides compensation for loss of or damage to your personal items such as furniture, clothes, decorations and more. This type of coverage covers a lot of the same risks as dwelling coverage, including fire, smoke, theft and vandalism. 

Liability 

Liability insurance covers bodily injury and property damage someone may suffer on your property. If someone is injured in your home and sues, liability insurance can cover the victim’s medical bills and potential lawsuit expenses. 

Additional Living Expenses 

Additional living expenses cover costs related to the homeowner temporarily moving if the home is rendered uninhabitable by a disaster. This can include food and lodging while the home is being repaired or rebuilt. 

How Much is Home Insurance Per Month? 

The cost of home insurance varies depending on your: 

Speak with an insurance agent about how much you can save on home insurance. 

Protect Your Home Today 

Protect your home with a reliable and affordable home insurance policy. Call Empire Insurance Brokers at 425-774-1324 or fill out an online quote form to get started. 

Common Home Insurance Questions 

How Far in Advance Can I Buy Home Insurance? 

You should purchase home insurance by the time you are ready to sign on your new home. This ensures that you have coverage as soon as you step inside the house. 

How Many Home Insurance Claims are Too Many? 

There is no set amount to how many claims are too many. However, having too many claims within a short period of time can raise red flags with your insurer. 

Why is Home Insurance Important? 

Home insurance is crucial for protecting your home and everything inside in case of an accident. In case an accident, home insurance can help you prevent expensive loss out of pocket.