When you buy Washington state homeowners insurance, it is important to know what is and isn’t covered by your policy. Of course, every policy will differ in terms of the types of damage that it covers. That is why it is so important to read through the details of any policy carefully before signing up for it.
There are, however, some things that are covered by most insurance plans. Typically, policies will cover damage that occurs to the actual structure of your home as well as any other buildings that are located on your property such as a garage or shop.
Not all types of damage are covered, however. For instance, policies will usually cover damage that occurs as a result of fire, hail, lightning, hurricanes, or certain other events. Most policies don’t cover damage that occurs as a result of flooding, earthquakes, or everyday wear and tear, however.
Most home insurance policies will also cover your personal belongings that are kept inside your home. This includes everything from your furniture and clothing to your jewelry and collectibles. If you have any extremely expensive items, however, you may need to purchase additional insurance for them since there are usually limits on the amount of money that will be paid out if they get stolen.
In many cases, Washington home insurance policies also provide liability coverage. This can help protect you if anyone is injured on your property. For instance, if your dog damages your neighbor’s fence, the damage will most likely be covered by your homeowner’s insurance policy.
Some policies will also pay for your living expenses if you are unable to stay in your home after damage has occurred. This usually includes the cost of a hotel along with meals at a restaurant and any other extra costs that you may incur.