Poulsbo is a magical city full of fun, excitement, and all the Scandinavian delights anyone could dream of. You know that Poulsbo is a special place to call home. Why not give your Poulsbo home insurance you can trust through 2021’s Best of the South Sound insurance agency?
At Pfarr Insurance, our day starts and ends with you, the client. We want to make sure you’re protected and insured for whatever unexpected peril you may face.
We offer comprehensive coverage for your home and property against damage, theft, fire, inclement weather and more.
What are Covered Perils?
Covered perils are the possible scenarios which your standard home insurance policy is able to help pay for or cover. Covered perils include:
- lightning strikes
- fire and smoke
- water damage
With our Poulsbo home insurance your home (dwelling) in insured under the following covered perils: lightning strikes, water damage, smoke, vandalism, and theft. If any one of these covered perils befalls your home, your home insurance policy will help covered the costs for repairs or rebuilding.
Other structures such as fences, sheds, or detached garages are covered by your Poulsbo home insurance through Pfarr Insurance Agency. Whether it’s a lightning strike, a fire, or another covered peril, your other structures are insured to be repaired or rebuilt up to your other structures coverage limit.
Your personal property is also 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 your Poulsbo Home Insurance
There are some possible exclusions from our standard homeowners policy that can be added on in a separate policy.
High-price belongings such as furs, art, or musical instruments are not covered in our personal property policy.
Standard insurance policies do not cover liability from aggressive dog breeds.
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.
For a quote about our Poulsbo home insurance, for inquiries about policy limits, and for more information on other polices we offer, get in touch with an agent today.
We look forward to working with you!