Life is good in the Maritime City. From the hidden beauty of Sunrise Beach to the familiar businesses downtown, Gig Harbor is a special place filled with special people. When it comes to protecting your home, only the best will do. At Pfarr Insurance we provide Gig Harbor Homeowners insurance that’s effective and affordable. So whether you’re on the trails on the KP or down by the water for a Summer Sounds concert, you know your home is insured.
“Everything starts and ends with the customer.”~ Rob Pfarr
Pfarr Insurance Agency understands the importance of home. As a Tacoma-based agency situated on Ruston Way, we want to ensure our neighbors across the bridge have their homes and property insured well. That’s why we’re dedicated to providing Gig Harbor homeowners insurance plans that are comprehensive and don’t break the bank.
What’s Covered with Our Gig Harbor Homeowners Insurance
We offer comprehensive coverage for your home and property against damage, theft, fire, inclement weather and more.
With our Gig Harbor homeowners insurance your home (dwelling) is insured through us. That means that whether it’s fire, a lightning strike, or another destructive event, your home is covered for repairs and restorations.
Other structures on your property are covered by our Gig Harbor homeowners insurance as well. This includes garages, sheds, or fences. If a tree falls on a fence or someone runs into the garage, we’ll help with the costs (as far as coverage limits allow).
Additionally, personal property is insured. In the case of theft or the destruction of property (under the aforementioned conditions), possessions such as clothing, furniture, electronics and other items are covered.
We also cover issues of personal liability and medical payments. This means that if you or a family member injuries someone else and decides to sue, your policy can help cover legal bills and expenses (as far as your coverage limit allows). Personal liability includes injury caused by pets (such as a dog bite). If the injured does not want to sue, medical expense coverage allows you to help with that personals medical bills. For example, if your child’s friend is over and falls and hurts them self but the parents don’t want to sue, with medical payment coverage you could offer to help pay for their treatment.
Possible Exclusions in our Gig Harbor Homeowners Insurance
There are some possible exclusions from our standard homeowners policy that can be added on in a separate policy.
High-price items (such as fine jewelry or art pieces) are not covered in our personal property policy.
Aggressive dog breeds (such as German Shepherds, Pitt Bulls, Rottweilers, and Malamutes) may not be covered under our liability insurance.
Businesses that are run out of a private residence may not be covered under home insurance and need their own separate insurance.
Natural disasters such as earthquakes, flooding and damage resulting from volcanic activity may not be covered. For information about the risks of such natural disasters please visit the Washington State Department of Health’s website.
Please note that there are typically preset parameters of coverage. When discussing the details of the policy you want you may increase coverage if you wish.
Pfarr Insurance Agency has recently been named 2021 best insurance agency of the South Sound by South Sound Magazine. We thank our neighbors in Gig Harbor for their support, and we looking forwarding to continuing to serve them and their families.
For a quote about our Gig Harbor homeowners insurance, for inquiries about policy limits, and for more information on other polices we offer, contact us here or give us a call (253) 201-5100
We look forward to working with you!