For Consumers

What to consider before buying homeowner insurance

Before you buy homeowner insurance, you should know different companies charge different premiums and offer different coverage. We recommend you do your research and shop around before you make a decision.

First make sure the company you're considering is licensed to do business in Washington. You can also check to see how many complaints they have with our office.

If you have questions about a company, call us at 800-562-6900.

What insurance companies look at before they'll insure you

  • They will look into your previous insurance history to see if you qualify for coverage with their company.
  • They may ultimately quote you a different premium than what they initially quoted you, once they look into your history.

If you don't like what they quote you, continue shopping around.

You already have insurance coverage and want to switch companies

After you buy a new policy, be sure to cancel your previous policy. If you forget, you may be stuck paying premiums for two policies.