Everyone who owns a home needs homeowners insurance. This essential coverage provides financial protection against disasters. A standard policy insures the home itself, other structures on the property such as a garage or a shop, and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This can even include damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Your homeowners insurance policy can be one of the most important purchases you ever make. The friendly staff at Central Washington Insurance will work hard to make certain you have the coverage you need for financial protection and peace of mind.