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homeowners' insurance

The most valuable item most people own is their home.  At EPB&B, we recognize that, so our priority is to make sure you have the best possible coverage for your situation.

Diana

EPB&B Personal Lines Manager

Diana Van Dyke

We're well-versed in the ins, outs, and pitfalls surrounding home ownership.  Every year, we fully review your policy and its coverages.  We represent the best companies in the Northwest for home coverage.

In addition to the liability and usual property coverages, we can also supply flood and earthquake insurance at competitive prices.

And, if the unthinkable happens, we have an in-house claims department that you can call directly.

  


 Articles in this category


 

You never know when disaster may strike, but you can be prepared with an up-to-date home inventory.  With the Know Your Stuff - Home Inventory app from Insurance Information Institute, creating and updating your home inventory is easy and efficient.  Enter your information and photos of your belongings through the free app and your data will be stored in a free, secure online storage where you will have access any time and anywhere. 

IPHONE APP

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ANDROID APP

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Earthquakes and California go together. Or at least that’s what most of the country thought until Tuesday’s East Coast earthquake centered in Virginia.

Reports of the earth moving were widespread, coming from New York, Massachusetts, Vermont, and Georgia. Even a few came from as far away as Chicago.

Although no news of significant damage emerged, such a widespread impact raises questions about preparedness and insurance coverage. That’s  because earthquake damage is not covered under standard homeowners or business insurance policies.

These policies typically exclude damage from earth movement such as earthquakes and sinkholes, said Chris Hackett, director of personal lines policies for Property Casualty Insurers Association of America, a trade group. However, it is common for property insurance to cover a fire that might be the result of an earthquake. Homeowners should read know the exclusions in their policies.

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Washing machine hoses are one of the most neglected but potentially damaging maintenance items in a home.  Because they are out of sight, they are forgotten and give little warning of impending disaster.

Not checking your washing machine hoses is like not checking your oil.  Nothing seems to be wrong until that moment when your life seems to flash in front of you - as well as the floating dresser, and sofa table, and dog - all magically cascading out the front door on a burst-hose tsunami.  If you can't remember how old your washer is, or if you think its age is in the double-figures, it time to replace those hoses.

Consider replacing old reinforced rubber hoses with new stainless steel braided hoses, often called "burst-proof" or "burst resistant".  The construction is a very flexible plastic hose encased in twisted, flexible mesh of stainless steel wire. 

Windstorms are common in the Northwest and can cause significant damage whenever they occur.  Storms lashing the area can leave downed trees, debris and thousands of homeowners can be left without power.  Don't be left in the dark when it comes to your insurance coverage for damage following a windstorm.

Depending upon your coverages, you can rely on your insurance company to shoulder much of the cost to repair any damage to your home or vehicle.

Elliott, Powell, Baden & Baker Insurance offer these tips to help speed the process of getting your life back to normal if your home or vehicle are damaged during a wind storm.