Homeowners Insurance
Independent home insurance broker for Portland, Vancouver and the Pacific Northwest.
Your home is one of the largest assets you own and we’ll help find the right insurance your home. Whether it’s a house in the suburbs, a cabin at the beach or a condo in the heart of the city, at EPB&B we have access to a broad range of markets to help protect your assets. Get A QuoteOur expert (and independent) Personal Insurance team can help you tailor a homeowners insurance policy that fits your needs and budget. Speak with an EPB&B agent today to find the most affordable insurance options that protect you, your family, and your home.
Do I need Homeowners Insurance?
Most mortgage lenders require the owner to carry homeowners’ insurance, which is a type of Personal Insurance. It is your protection from physical and financial loss in an accident. Unexpected losses can include things like fire, burglary, flooding, or even earthquakes. A homeowner’s insurance policy is taken out by the owner(s) of the home.
How much Homeowners Insurance do I Need?
The amount of homeowners’ insurance coverage you choose with your agent should reflect the current or future cost to replace or repair the home in case of a covered loss. When choosing homeowners coverage, you’ll also want to consider other structures (fences, outbuildings, sheds, driveways, etc.) Personal Property, Loss of Use, and Liability.
Why is working with an Independent Insurance Agency Important?
Homeowners insurance is not a one-size-fits-all product, and working with an independent agency like EPB&B gives you access to multiple insurance carriers. You can compare options and find the right balance of cost and coverage. Instead of being limited to a single company, you get the benefit of an Account Manager who understands the nuances of different policies and can advocate on your behalf during the quoting and claims process. This personalized guidance helps ensure your policy stays up-to-date as your home value, property features, and personal needs evolve.
Key Homeowners Insurance Coverage Points:
- Repairs or replaces your home due to a covered loss.
- Replaces your belongings inside that is not attached or built in, such as furniture, appliances, clothing, jewelry, and dishes.
- Helps you if you need to stay somewhere else while your home is being repaired.
- Protects your assets if you are found liable. Examples could include a slip and fall or a dog bite.
Common Homeowners Insurance Endorsements to Consider:
Most homeowner’s policies have many additions or endorsements that can be added to enhance your insurance policy to fit your needs. At EPB&B, our Account Managers are proficient in each company’s insurance policy and are here to help you find the right coverage.
Every home is unique, which is why endorsements can be so valuable. For example, Extended Replacement Cost helps provide additional funds if rebuilding costs exceed your policy limit. Water Backup Coverage protects against damage from sump pump failures or backed-up drains, which aren’t covered by a standard policy. Scheduled Personal Property can offer higher limits for valuable items like jewelry, collectibles, and high-end electronics. Earthquake, flood, and wildfire-specific coverages are also common add-ons depending on where you live. These enhancements are often affordable and can make a significant difference during a claim.
DISCLAIMER
Some policies are different from what’s described here. Be sure to read and understand your individual policy or contact us if you have questions.
