Homeowners Insurance

Your Tri-Cities, WA Homeowners Insurance Guide

 During the process between accepting an offer and closing you will need homeowners insurance if you are buying a home in Richland, Pasco, or Kennewick, WA for the first time. If you already have homeowners insurance you will need to inform them you are moving to a new home in the Tri-Cities, WA real estate area. 

 You just never know what issue could ever come up with your Richland, Pasco, Kennewick, WA real estate. Fire, floods and other natural disasters are all too often a part of life today. Your Richland, Kennewick or Pasco, WA real estate is your most prized investment, make sure it is protected.

The following are tips and questions to keep in mind when shopping for homeowners insurance:

→ Combine your homeowners insurance coverage with your auto insurance and you could save up to 10%.

→ Find out all the discounts you qualify for. Homeowners insurance discounts are often available for smoke detectors and fire alarms, alarm systems, and updates to your home, such as a new roof, electrical, plumbing, or heating system.

Find out if your policy covers  a foreign army invades the U.S. destroying your house in the process or a car plowing into the side of the house, or a skunk gets into your house making everything stink.

Questions to Ask your Insurance Agent

→How much per month will homeowners insurance cost me?

→ Are there home owner deductibles I must pay before the homeowners insurance begins to help cover my costs?

→ What does the homeowners insurance policy cover, and what doesn't it?

You must have home insurance set up prior to the closing of your home so that your lender knows the home is protected. The homeowners insurance payment can also be included in your monthly  mortgage payment and this can be set up by escrow. (For more information on Tri-Cities Escrow, please see our Closing Guide)

If you have more questions, please feel free to let me Kuo-Ying Frenzel know. I would be happy to help you locate homeowners insurance, a lender and of course find any Richland, Kennewick or Pasco, WA real estate, home or property.