Tag: home insurance

If you’ve ever dealt with unexpected water flooding your basement or a sewer backup turning your home into a disaster zone, you know how overwhelming and expensive it can be. At Alpine Ridge Insurance in Auburn, WA, we understand how stressful these situations are—and how home insurance can be your lifeline when things go wrong.

Understanding the Risk in Washington Homes

Washington homeowners face a unique mix of weather, from heavy rain to melting snow in the spring. These conditions create the perfect storm for sewer systems to become overwhelmed, leading to backups. Add in older plumbing infrastructure in many neighborhoods, and the risks of interior water damage become even more serious.

What Your Home Insurance Might Cover

While standard home insurance policies typically cover sudden and accidental water damage, it’s important to know where the lines are drawn. Sewer backups and water damage from external flooding often require an additional rider or endorsement. Fortunately, many homeowners can add this relatively low-cost coverage to their policy, providing peace of mind in the event of the unexpected.

Why It Matters

Without proper coverage, a sewer backup can leave you footing the bill for cleanup, damaged flooring, ruined furniture, and even mold remediation. That’s not just a financial hit—it’s an emotional one too. Insurance helps you recover faster, with less stress and fewer surprises.

Take the Next Step

Don’t wait until you’re knee-deep in water to find out what your policy covers. The team at Alpine Ridge Insurance in Auburn, WA, is here to help you review your coverage, explore your options, and make sure your home is truly protected. Reach out today for a personalized consultation—it’s one small step that could save you a huge headache later.

Home insurance is necessary for all homeowners to protect their investments against a wide range of potential damages to their property and other issues like vandalism, theft, and personal liability if someone gets injured on their property. But does home insurance cover other items that might be on your property? For instance, will your home insurance cover the damage if your boat is stored in a shed or your car is parked in the garage due to a fire or a natural disaster? These are important questions to consider! Here’s what you need to know about home insurance and vehicles and how you can secure the right home insurance policy and other insurance policies with our support here at Alpine Ridge Insurance in Auburn, WA.

Does Home Insurance Cover Vehicles Damaged on Your Property?

Unfortunately, home insurance does not cover vehicles that may get damaged on your property. Home insurance is designed specifically to offer coverage for your home and its belongings, but this excludes major items like vehicles. While it might seem like anything under the roof or on the property should be covered, most items that could get damaged, like boats or vehicles, should already have their own coverage to operate them safely. If they are damaged by a fire or anything else, that coverage will provide the financial support needed to deal with the damage, while your home insurance will help you deal with the home itself. One option you could consider to get a deal is to bundle, but never assume that your home insurance will cover everything on your property!

Secure Home Insurance With Alpine Ridge Insurance

Ready to find the right home insurance policy? Get started with us here at Alpine Ridge Insurance in Auburn, WA. Compare quotes today!

Many consumers understand that a standard home insurance policy covers perils such as fire, windstorm damage, lightning, and hail damage. However, damage related to natural disasters can be somewhat confusing. At Alpine Ridge Insurance in Auburn, WA, we’re here to help clarify what is covered in your home policy regarding natural disasters.

What qualifies as a natural disaster?

The state of Washington is no stranger to natural disasters. If you have lived in the state for any length of time, you have likely experienced or seen weather reports of earthquakes, flooding, landslides, wildfires, volcanoes, droughts, heat waves, winter storms, and other severe storms. With climate change happening worldwide, the chances of these disasters occurring in Washington are expected to increase.

What natural disasters can be covered by a homeowners policy?

Now that we have explained what constitutes a natural disaster, let’s discuss which incidents are covered by a homeowner’s insurance policy.

• Earthquakes: They are not covered by a standard home insurance policy, but you can add them to your standard policy for an additional cost. Washington experiences over a thousand earthquakes a year, so it may be a coverage you’d like to discuss with our licensed agents.
• Floods: Another coverage not covered on a standard home insurance policy but has caused more damage in the state than any other natural disaster. However, it can be added to your policy for an additional fee. It can also be written to include flooding due to a tsunami.
• Wildfires: Covered and treated as a fire on a standard policy.
• Winter Storms: A standard home policy typically covers damage related to the weight of ice and snow on rooftops.
• Landslides: Can be added as a rider on your home insurance policy.
• Volcanoes: Mostly covered on a standard home insurance policy with a few exceptions. Talk to our licensed agent for a complete list of exclusions.

For more information about Home Insurance in Washington

We understand that you want to make sure your home is covered in case of a natural disaster. We are here to help. For more information about protecting your home from the unthinkable, call Alpine Ridge Insurance in Auburn, WA, at (253) 833-9501.