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We browse through a wide variety of coverages and find the right one for you.

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Homeowners Insurance


Homeowners Insurance Information

If you’re a homeowner or purchasing a home, you’ll need home insurance to help provide financial protection. Getting a home insurance policy that meets your lender’s requirements and protects your property is crucial. 

Contact Vanmar Insurance in Yakima, Washington, today to learn more about home insurance and get a quote. 

How Home Insurance Works 

Home insurance policies typically provide coverage for the interior and exterior of the home, the homeowner’s possessions and any structures on the property. 

Home insurance protects the financial investment in your home and possessions by covering losses due to unexpected events such as a fire, severe storms, theft and other covered disasters. It also provides liability protection to help cover third-party claims of bodily injury or property damage. 

How Much Home Insurance Should I Have? 

The amount of home insurance you need depends on various factors, including the value of your home, the estimated cost to rebuild in the event of a disaster and the value of your possessions. 

Your agent may ask you to complete a home inventory to determine whether you have enough insurance coverage to replace your things if you must make a claim after a disaster. 

If you must move out of your home to allow for covered repairs, the additional living expenses (ALE) portion of your policy may help pay the costs of restaurant meals and other living expenses. ALE limits vary according to the insurer’s rules, so it’s crucial to ensure you have enough of this coverage with your home insurance policy. 

The liability portion of your home insurance coverage helps provide financial protection for property damage or bodily injury liability claims that you, someone in your household, or a family pet causes. Verify that your liability limits exceed the value of your home, savings and investments to get the right amount of protection. 

Your agent may also recommend that your purchase an umbrella insurance policy to help pay for liability costs that exceed the limits of your other liability insurance policies. 

How Much Home Insurance Do I Need for a Mortgage? 

Your lender requires home insurance to help protect their investment in your home. They may require you to purchase enough insurance to restore your home to its pre-disaster condition if you must file a claim. 

If you live in an area at high risk for flooding or earthquakes, your lender may require you to purchase flood insurance or additional earthquake coverage.  

How Many Home Insurance Quotes Should I Get? 

It’s wise to get more than one home insurance quote, and your agent can help you shop around for the best combination of value and price. Contact the agents at Vanmar Insurance to learn more about how to properly insure your home and get multiple quotes from reputable insurance companies. 

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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. For a complete list of available plans please contact 1-800- MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 day a week, or consult www.medicare.gov.

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6 S 2nd St Suite #704| Yakima, Washington 98901
P: 509-839-9000 | Fx: 509-225-9998 | paula@vanmarinsurance.com
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