Property Insurance

Find inexpensive coverage for your personal property. Serving Snohomish County and all of Washington.

You have a lot of things that are important to you — from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk.

Let us help you find coverage options that protect you, your family, and your personal property. Call us at 425-658-9070 and let us help to make sure you’re properly covered.

What Does Renters Insurance Cover?

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Your renters insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.

Let us help you find the right amount of coverage to suit your needs. Call us today at 425-658-9070.

Condos are unique. Find the coverage you need. Serving Snohomish County and all of Washington.

Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.

Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.

Let us help you find the right amount of coverage to suit your insurance needs Colorado. Call us today for a free quote!

What Does Condo Insurance Cover?

Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments.

Your condo insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select.

In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.

We can help you determine your coverage needs to make sure you’re properly covered. Call us today!

Get the right coverage to protect your rental properties. Serving Snohomish County and all of Washington.

A rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.

Protect Yourself

Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.

Extra Coverage Doesn’t Have to Cost a Lot

Many landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.

To find out more about this product and other products and services, contact us today!

Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself.

Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

Building coverage includes:

• The insured building and its foundation
• The electrical and plumbing system
• Central air conditioning equipment, furnaces, and water heaters
• Refrigerators, cooking stoves, and built-in appliances such as dishwashers
• Permanently installed carpeting over unfinished flooring

Contents coverage includes:

• Clothing, furniture, and electronic equipment
• Curtains
• Portable and window air conditioners
• Portable microwaves and dishwashers
• Carpeting that is not already included in property coverage
• Clothing washers and dryers

The two most common reimbursement methods for flood claims are : Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost.

All other buildings and personal property (i.e. contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.

Contact us to identify the best combination of coverage, value and price just for you.

What are the two most important things to know about earthquake insurance? 

1. Most home insurance policies do not cover earthquake damage. 

2. Even if you don’t live in an area where earthquakes are common, you may still need earthquake insurance.

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in Denver, earthquake insurance can be inexpensive – contact us to find out what the costs would be for your home.

Earthquake insurance can have many options

Most homeowner, condo and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization such as the California Earthquake Authority (CEA).

DOES WASHINGTON REALLY NEED EARTHQUAKE INSURANCE?

In all likelihood, almost the entire US would be better protected by purchasing earthquake insurance. Consider the facts:

In the West: According to the U.S. Geological Survey, there is a 70 percent probability that one or more damaging earthquakes of magnitude 6.7 or larger will strike the San Francisco Bay area during the next 30 years.

In the East: The Earthquake Education Center at Charleston Southern University claims there’s a 40 to 60 percent chance of a major earthquake somewhere in the eastern United States in the next 20 years.

In the Midwest: According to the Insurance Information Institute, there’s a 40 to 63 percent chance the New Madrid Fault (which runs through Arkansas, Kentucky, Missouri and Tennessee) region will suffer an earthquake with a 6.0 magnitude in the next 15 years.

WHAT DOES EARTHQUAKE INSURANCE COVER?

Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner or renters policy.

An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking and contracting of earth, your endorsement may cover it if the damage resulted from an earthquake.

There are several options to consider when purchasing earthquake insurance, including:

• Does the policy cover only your home? Are other structures, such as garages, also included?
• Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed?
• Are there any exclusions or limitations to coverage?
• What deductible must you pay before the insurance kicks in?

EARTHQUAKES CAN HAPPEN IN WASHINGTON – HERE’S HOW YOU CAN PROTECT YOURSELF

• Make sure your water heater, gas appliances, and other fixtures are fastened securely.
• Check that bookcases and furniture are secure and fastened to walls.
• Have a family emergency plan that all family members know. Designate a meeting place outside the home where family members can gather once the danger has passed.
• Designate a distant relative or friend who can serve as a point of contact and communication for you and your family members if you get separated.
• Plan ahead. Keep flashlights, batteries, and candles on hand. Have a portable radio.
• Be sure everyone in your house knows how to turn off utilities (electricity, water, and gas).
• When shopping for earthquake insurance, ask the company to help you identify possible repairs and other improvements that will make your home safer and minimize damage.

WHAT TO DO WHEN AN EARTHQUAKE STRIKES

If you are inside when an earthquake hits, stay inside and get under a heavy table or desk. Stay away from windows. Do not evacuate the building unless emergency personnel direct you to leave.

If you are outside, get away from buildings and power lines, and remember that stone and masonry facings can break loose and fall away from upper parts of buildings.

If you are in a car, stop safely away from structures, large trees, power lines, and other hazards. Stay inside the vehicle.

Keep in mind:

• Don’t use candles until gas lines are checked. Also, check throughout your home before you use certain utilities, such as water and electric, sewage connections, and even chimneys.
• Don’t tie up phone lines except to report emergencies.
• Be prepared. Remember that you will need food and water, even for the short term. Keep your family together and stay alert for aftershocks.

Earthquake insurance needs can vary significantly – talk to us today to find out how to get the best price and value on earthquake insurance for you.

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

WASHINGTON – WHAT’S PEACE OF MIND WORTH TO YOU?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

SNOHOMISH COUNTY – DO YOU HAVE ENOUGH LIABILITY INSURANCE?

Imagine what would happen if your dog was to bite a neighbor’s child, or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets, or your future earnings.

LIABILITY INSURANCE STARTS WHEN THE OTHERS STOP

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with R. B. Insurance Agency to determine the right amount of coverage for your needs.

BROAD COVERAGES

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – Call us today to find out how to protect yourself, your family and your future with the right personal umbrella insurance for you.