If you’re a homeowner in Bremerton it’s important to make sure your home is protected when it counts. Bremerton home insurance through Pfarr Insurance Agency allows you to relax, knowing the bigger things are taken care of.
Bremerton Home Insurance Coverages
There are several coverages that are standard for your Bremerton home insurance policy.
Dwelling Coverage
Dwelling coverage is the section of your Bremerton home insurance policy that provides protection and compensation for damage or destruction of your home under a covered peril.
Some of the more common covered perils for standard home insurance policies include:
- Fire
- Lightning
- Water damage (from plumbing or pipes)
- Tree falls
- Vandalism
- Theft
Personal property coverage
Personal property coverage is the part of your insurance policy that can help pay to repair or replace your personal possessions that are damaged or destroyed. Personal property coverage provides protection for personal items such as clothing, furniture, and other personal property. Keep in mind that more expensive items like instruments, fine jewelry, and fur coats may not be covered under your home insurance policy alone. You can purchase add-ons such as scheduled personal property coverage. This coverage designed to cover more luxury items in case they are stolen, lost, or destroyed.
Other structures coverage
Other structures coverage can help pay for expenses associated with repairing your replacing other structures on your property besides your home (such as fences, barns, gazebos, sheds, etc.). If one of these other structures is damaged by a covered peril, other structures coverage kicks in, helping you pay for those repairs or replacement. The exact amount of coverage available for other structures may depend on your coverage limit for your home. For example, if you have an $800,000 limit on your home (dwelling) you may have $160,000 worth of other structures coverage available to you (~20%)
Personal Liability Coverage
This part of your Bremerton home insurance policy helps pay for legal or medicals bills in case a guest is injured in your home and decides to sue you. This coverage typically extends to spouses, children, relatives living in your home, and pets. That even includes if your dog bite someone!
Note: Aggressive dog breeds such as Huskies, German Shepards, Rotweilers, and Pitbulls are typically excluded from standard home insurance policies.
Medical Coverage
Let’s say your family friends are over for dinner one night and one of them falls off your deck an hurts themselves. Even though you don’t decide to sue, you could still help pay for a portion of their medical bills through medical coverage under your home insurance policy.
For more information about Bremerton insurance policies and exclusions, contact your local agent today.
