What to look for at your Washington Homeowners Insurance Agency

The premiums for Homeowners Insurance in Washington are among the nation’s lowest; of course, that doesn’t mean you settle for just any insurance agency. There are a lot of things for homeowners to factor when looking for the best coverage. Building and construction flaws, weather, vandalism, all these things can become a sudden problem at the most unexpected time. Homeowners Insurance goes a long way in putting your mind at ease and finding the right agency that saves you money while providing extensive coverage is nothing to take lightly. 

Washington has some of the best insurance rates in the country, partly due to its reputation as a relatively low-crime state and being geographically situated in a place where natural disasters aren’t common. This being said, a number of insurers are aware of Washington’s reputation for downpours and flooding coverage may cost a bit more as it isn’t usually part of a number of packages.

Prices can vary from location, however, as does the house being insured. All of these should be considered when purchasing your Homeowners Insurance Plan at an agency. Considering all of this, the information service firm J.D. Power sought to determine how insurance companies stacked up for Washington, and the findings for five big insurance companies were compiled by Reviews.com

State Farm

State Farm was found to be relatively hassle-free and the J.D. Power survey found that customer satisfaction was pretty high for claims handling. It doesn’t offer as many discounts compared to other companies, but the discounts available are enough that qualifying for them is fairly common. Available Homeowners Insurance usually don’t require a separate snow/hail deductible, something big to consider living  in Washington

Geico

 Your experience with Geico depend on the Homeowners Insurance Agency or company you deal with because Geice doesn’t sell directly to customers, although they are one of the biggest providers in the state and have a relatively good track record for customer service through their providers.

All State

All State gives slightly above average rates but offers a number of discounts and the qualifying savings can affect the type of rates you’ll be offered. There are a number of endorsements that can provide benefits long term. Homeowners Insurance handling customer service-wise is seen as less compared to other companies, although this problem may depend on outside factors and vary from case to case.

Farmers

The most affordable option with a number of discounts offered and coverage for arguably more niche Homeowners Insurance situations such as owning an ‘Eco-home.’ Claim tools for Washington homeowners can be done over the phone with a representative or in person. A Claim Tracker online tool can help someone follow the claim daily.

Liberty Mutual

Liberty Mutual is the largest claim provider in Washington with their endorsements particularly attractive for homeowners in the state. The Homeowner Protection Option helps cover unexpected costs when rebuilding your home, while the Inflation Guard Option ensures that you maintain the same coverage initially signed up to. Rates are affordable, just behind Farmers, and customer satisfaction is high compared to some other insurance providers.