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PROTECT YOUR HOME

Homeowners Insurance Coverage

Your home is probably your biggest investment. Let's make sure it's protected – from fire to theft to those unexpected things life throws at you.

Comprehensive Home Protection

Your home is more than just a building – it's where your family lives, where memories are made, and often your most valuable asset. Homeowners insurance protects not just the structure, but everything inside and your financial future.

What's Covered

Dwelling Coverage

Protects the structure of your home, including walls, roof, foundation, and built-in appliances. We'll help you determine the right amount to rebuild your home if disaster strikes.

Personal Property Protection

Covers your belongings – furniture, electronics, clothing, and more – whether they're in your home or with you when you travel.

Liability Coverage

Protects you if someone is injured on your property or if you accidentally damage someone else's property. This coverage can help with legal fees and medical expenses.

Why We're Different

We work with many carriers and have access to many options, allowing us to shop around and find you the best coverage and rates. Unlike captive agents who can only offer one company's products, we can compare multiple carriers to get you the best deal.

Additional Coverage Options

  • Flood insurance (separate policy)
  • Earthquake coverage
  • Replacement cost vs. actual cash value
  • Additional living expenses if you need temporary housing
  • Personal liability umbrella policies

Homeowners Insurance in Cowlitz County

As a homeowner in Cowlitz County, Washington, you face unique risks. From the weather patterns in Longview and Kelso to the specific building requirements in our area, we understand what your home needs. We work with multiple carriers to ensure you get comprehensive coverage that protects against local risks while keeping your premiums affordable.

Understanding Your Home's Replacement Cost

One of the most important aspects of homeowners insurance is ensuring you have enough coverage to rebuild your home if disaster strikes. We'll help you understand:

  • Current construction costs in Cowlitz County
  • Building code upgrades and requirements
  • Replacement cost vs. market value
  • How to adjust coverage as your home's value changes

Explore Our Other Insurance Types

We offer comprehensive insurance solutions to protect all aspects of your life.

Life Insurance

Make sure your family is taken care of. We offer captive life insurance solutions tailored to your needs.

Learn More →

Auto Insurance

Required by law, but you want more than just minimum coverage. We have access to many carriers with many options.

Learn More →

Business Insurance

Protect your livelihood with coverage that makes sense for your operation. We offer captive business insurance solutions.

Learn More →

Protect Your Home Today

Let's find the right homeowners insurance coverage for you. Give us a call or request a quote today.