Homeowners insurance protects your home both inside and out: the exterior structure, interior finishes, upgrades you’ve made to the property, and your belongings. In Washington and Oregon, PEMCO earns top home insurance reviews.
Pays to repair or rebuild your home if it’s damaged or destroyed by – among other things – fire, smoke, storms, explosion, vandalism, burglary, and burst pipes. Includes coverage for sewer backups, too, up to $5,000 at no additional cost. Like most standard policies, it doesn't cover floods, earthquakes, and normal wear and tear.
Personal Property Coverage
Protects all the things in your house, including furniture, appliances, and clothing. It also covers the things you take with you when you travel. For expensive items (like jewelry, furs, guns, silverware, computers, and business equipment), you’ll want to consider adding more than just the standard insurance.
Replacement Cost Coverage
You’ll want this if your things are stolen or damaged. Pays what it will cost you to replace your belongings at today’s prices (as opposed to what you paid for them or what they’re currently worth).
Other Structures Coverage
Pays to repair or rebuild other damaged structures on your lot, such as a detached garage, shed, or playhouse.