First in Protecting, Your Home.
With a variety of home coverage options, you can feel safe knowing your home was placed with the most knowledgeable insurance professional and a reputable and trusted insurance company.
When you choose First Underwriters, you’re not only getting a trusted insurance broker, you’re also getting your own dedicated personal risk advisor, who will work with you to create a custom plan just for you. And that’s important when you have so many coverage choices and options. Here are a list of coverages:
- Dwelling Protection: Covers damage to your home due to fire, lightening, smoke, storm damage or other similar perils.
- Personal Property: Provides coverage for your household items in the event of a fire, theft or other covered loss.
- Extended Replacement Cost: Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
- Additional Living Expenses: Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.
- Personal Liability Protection: Pays for bodily injury or property damage caused to others as a result of a covered incident.
- Guest Medical Protection: Pays medical expenses for your guests who are accidentally injured on your property.
- Identity Theft Protection: Pays for expenses you incur as a result of criminal identity theft.
Additional personal property coverage for valuables, such as antiques, fine art and jewelry
The modern homeowners policies are package policies that cover dwelling, contents, personal liability, and medical payment exposures. Since we work with many Homeowner and Condo Carriers, we provide the best rates for your home or condo insurance policy. Getting a quote is very easy. Use our online form or call us directly, (425) 242-5357 and let our licensed staff prepare an instant homeowner or condo insurance quote.
Provides property coverage that protects your house and any attached structures if your property is damaged by a covered loss. Attached structures include a garage, a deck, or a front or back porch which may be covered by the dwelling portion of your policy.
Provides coverage for other structures on your property not attached to your dwelling or home. Items covered include a detached garage, guest house, patio, or a shed. Coverage B is 10% of the limit for coverage A. More coverage is available for an additional cost.
Provides coverage for your personal property and contents inside your home. Personal property coverage includes items owned by you and family members who live with you. This coverage also covers your personal property while traveling in the U.S. or abroad. Basic coverage C is 50% of the limit for coverage A, and you can purchase more coverage for an additional cost.
There are two types of settlement options for your personal property in the event of a loss. You will receive Actual Cash Value or Replacement cost. Actual Cash Value will replace or repair your property minus depreciation. Replacement Cost will provide the full value to replace your property without depreciation. Make sure you select the appropriate option (if available) when you purchase your insurance policy.
Coverage is limited for the following high value items:
- Fine Arts
- Golf Equipment
- Musical Instruments
- Silverware, Goldware, and Pewterware
You can purchase more coverage for the items listed above and/or schedule these items separately by providing documentation including but not limited to an appraisal from a qualified and credentialed appraiser, picture of each item, and a copy of original purchase receipt.
Provides an additional living expense in the event your home is damaged by a covered loss and damage makes your home unlivable. This coverage pays for the reasonable increase in expenses to maintain your standard of living for a certain amount of time. These expenses include but are not limited to housing, food, and storage for personal property in your home while repairs are performed. Coverage D is typically 20% of the coverage A limit.
Provides coverage in the event you or family members in your household are legally responsible for bodily injury and/or property damage to others. It pays for your legal defense against a liability claim (lawsuit), and it also pays any court judgment against you for covered losses up to the policy limit. Coverage E examples include:
- A guest at your home slips and falls in your walkway or driveway
- Your dog (not an excluded breed) bites a person or another dog
- A negligently maintained tree on your property falls on your neighbor’s home
Liability coverage will not protect you from all situations, such as an intentional act or punitive damages.
Pays reasonable and necessary medical expenses for people injury on your property. This is known as no-fault coverage because all bills are paid up to your policy limit for this coverage whether you are legally responsible or not. Coverage does not pay for injuries to you or members of your household. This coverage is not a substitute for health insurance, and business activities are excluded.
Make sure you read the exclusions in your policy for all coverages listed above.
The information provided is for information purposes only. The terms, conditions, and verbiage contained in your insurance policy are legally binding and supersede information provided on this website. The information provided on this website does not create any obligations, or rights on the part of the insured, First Underwriters, or an agent or broker. Lastly, the examples and definitions contained are not a substitute for actual the insurance policy provided by First Underwriters.