--- title: Washington Home Owners Insurance and Policies | Kelley Insurance Agency in Everson, Washington description: Find the right home insurance policy for your family. Kelley Insurance Agency offers many different options for home owners insurance that are sure to be perfect for you. Serving Everson, and all of Washington. --- # HOMEOWNER INSURANCE ## Washington State Homeowners Insurance Whether you’re about to close on your first home or currently live in the home where you raised your family and plan to live out the rest of your days, you need homeowners insurance. Most mortgage companies require borrowers to carry certain minimum coverage on a home, but you may need more extensive insurance to protect against the real-life risks of homeownership. The independent insurance agents at Kelley Insurance Agency can help. We work for you, our customers, not for some big national chain, so we can help you find home insurance tailored to your family’s needs. ### Homes We Insure Whether you own a house, a condo or a mobile home, Kelley Insurance Agency has a homeowners insurance policy to meet your needs. First, we’ll talk with you about the value of your home and help you choose limits and a deductible that fit your budget. Then we’ll discuss coverage options and shop around for you to find the features you want in a package that meets your needs. Our standard homeowners policies include - Dwelling coverage for your home - Belongings coverage for furniture, clothing and other items kept in your home - Personal liability for you and family living in your insured home - Additional living coverage in the event you have to leave your home due to a covered event - Medical payments coverage to pay for treatment in the event that a guest is injured in your home ### Customizable Homeowners Policies At Kelley Insurance Agency, we understand that a single homeowners policy won’t fit every Washington resident. Instead of trying to fit you into a pre-written insurance program, we take the time to help you choose insurance options that fit your family, your home and your lifestyle. We offer a variety of deductibles, and we also offer - Extended limits - Scheduled personal property coverage for high-ticket items or irreplaceable heirlooms - High-value homes coverage for discerning customers - Landlords insurance and rental property protection - Personal umbrella insurance policies beginning at $1 million in coverage If you own a home or have begun shopping for a home of your own, make sure you have the right protection in place. Your home is probably your most valuable asset. Contact Kelley Insurance Agency today for more information on how to protect the things that mean the most. * * * ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/quotes) ## Insurance Partners [Aegis — American Modern — Bristol West — Dairyland — Foremost Insurance — GeoVera — Granwest Insurance — Hagerty — JC Taylor — Kaiser Permanente — Liberty Mutual — National Catastrophic Insurance Program — National General — Oregon Mutual — PersonalUmbrella.com — Progressive — RLI — Symetra — Travelers — Wright Flood — Zurich](/insurance-companies) ## Frequently Asked Questions About Washington Home Insurance What is the difference between market value and rebuild cost? **Market value** reflects what a home may sell for, including land and location. **Rebuild cost** focuses on the estimated cost to repair or reconstruct the structure using similar materials and labor. What is personal property coverage in homeowners insurance? **Personal property coverage** refers to belongings inside the home, such as furniture, clothing, and electronics. Items are valued based on defined methods and limits. What is liability protection in homeowners insurance? **Liability protection** relates to situations where a homeowner may be responsible for injury or property damage involving others. It is typically included as part of a standard homeowners policy. What is loss of use in homeowners insurance? **Loss of use** refers to situations where a home becomes temporarily uninhabitable. It is associated with additional living arrangements and related expenses. What is dwelling coverage in homeowners insurance? **Dwelling coverage** refers to the portion of a policy that relates to the structure of the home itself. It is based on the estimated cost to repair or rebuild the home using similar materials. ### LET'S GET STARTED ON YOUR INSURANCE QUOTE We'll review your current insurance for gaps and offer suggestions to improve your coverage or reduce your premiums, depending on your needs. 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