Serving Vancouver, Portland, Ridgefield, Battle Ground, Camas, and surrounding areas within Clark County and the Pacific Northwest.
Homeowners Insurance FAQ
Does homeowners insurance cover floods or earthquakes?
No. Standard homeowners policies exclude both flood and earthquake damage. In our area those are real risks, so they are covered separately: flood through the National Flood Insurance Program or a private flood policy, and earthquake through a separate policy or endorsement. Ask us and we can add these where it makes sense for your home.
How much dwelling coverage do I need?
Your dwelling limit should reflect what it would cost to rebuild your home today, which is not the same as its market value or the price you paid. Rebuilding costs have risen sharply in recent years, so we help you set a limit based on current construction costs and look at extended or guaranteed replacement cost options where a carrier offers them.
What is the difference between replacement cost and actual cash value?
Replacement cost pays to repair or replace damaged property with new materials of like kind and quality, without deducting for age or wear. Actual cash value subtracts depreciation, so it pays less. We generally recommend replacement cost on your dwelling and, where available, on your personal property, and we'll show you the difference in premium.
More on homeowners insurance
Written by our own licensed agents, for Washington and Oregon.
- How Do You Get a Pacific Northwest Home Ready for Winter?Start with water. Northwest winters bring rain, wind, and the occasional hard freeze rather than deep snow, and gutters, roofs, and outdoor spigots are where most of our winter claims begin.Hollie Sherlock 3 min read
- Two Risks Your Home Insurance Does Not Cover in Southwest WashingtonFlood and earthquake. Every standard homeowners policy excludes both, and both are real risks in Clark County and along the Columbia, so each one has to be bought as its own policy or endorsement.Kathleen Arlint 4 min read
- What Is an Independent Insurance Agency, and Why Does It Matter?An independent agency represents several insurance companies instead of one, so the same agent can quote your policy at multiple carriers and move you between them without you starting over. A captive agent can only sell you the one company they work for.Neil Worland 3 min read
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Coverage often paired with Homeowners Insurance. Bundling can simplify your policies and sometimes lowers the total cost.
Let’s Get You Covered
Let us know what you’re looking to protect and a local team member will follow up with real options.
Call us at 360-573-3080.
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