At Pfarr Insurance Agency we offer West Seattle homeowners insurance that’s quality and affordable. We want to get you the best coverage possible, without breaking the bank.
From picnics at Discovery Park, to ferry rides across Elliot Bay. From the music and art scene to the food. Whether it’s the sports teams, the nightlife, or the days on Lake Union, the Emerald City is a great place to call home. When it comes to insuring that home, we want you to be as prepared as possible. Keep reading for a list of the coverage you’ll receive when you insure your home through Pfarr Insurance Agency.
Our Mission
At Pfarr Insurance Agency it is our mission to offer the most comprehensive insurance plans for the absolute best value. As a South Sound based agency, we want to make sure that our neighbors and their families are protected and insured against whatever unforeseen peril may come.
What’s Included for our West Seattle Homeowners Insurance
We offer comprehensive coverage for your home and property against damage, theft, fire, inclement weather and more.
With our West Seattle 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 West Seattle 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 West Seattle 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 in your area 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 West Seattle 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!
