Homeowners face a wide array of challenges living in the Pacific Northwest. The fault lines in the western portion of the state reinforce the fact that earthquake preparation is necessary. Also, the winter months may bring ice dams and frozen pipes. FOCIS can helphomeowners find the coverage they need for their specific situation.
The homeowner’s insurance coverage a person needs is dependent on their situation. If you own your home outright, then having this coverage is not mandatory. However, it is highly recommended. After all, if you experience a total loss, there is no way for you to recover the damages, except out of your own pocket.
If you have a mortgage, your lender requires you to have this coverage. Some lenders even purchase the policy for the homeowner and then send them a bill or include it in your mortgage payment. That's how important having home insurance is for protecting your asset.
One of the most important things a person can do when buying homeowner’s insurance is to make sure they get the right amount. It’s a good idea to have an insurance adjuster come out to evaluate the property, as this will give you an accurate value for the property, which will let you know how much insurance coverage needs to be purchased.
At FOCIS, you can count on our team to help you find the coverage you need to protect your home. We become your partner in homeowner protection and provide you with the peace of mind that the most significant investment you have ever made is fully protected regardless of the situation that may arise. Contact us today to learn more and speak with our agents about how to get a quote.
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