Century Insurance Knows Home Insurance

What you select- Oftentimes homeowners insurance and renters insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.

How much you want to cover- Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible for your home insurance, you would be responsible for paying the first $500 of the covered loss.  

Where you set your limits- You may choose to set higher limits than the recommended amount if appropriate to your situation and needs. Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your liability insurance coverage. Contact us here in the Spokane Valley, near Liberty Lake to discuss home insurance quotes.

Century insurance agency sells home insurance, condo insurance, rental property insurance, new homeowners insurance

Coverages Explained

Dwelling Coverage

Your homeowners insurance property or dwelling coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Personal Liability

Homeowners insurance Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. 

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household. This is an important homeowners insurance or renters insurance coverage. You do not have to be legally liable for this coverage to pay out. Many lawsuits have been avoided due to this valuable home insurance coverage. Contact us today here in Spokane Valley near Liberty Lake to review your current insurance or get home insurance quotes.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.

Personal Property

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Home insurance personal property coverage helps replace these items if they are lost, stolen or destroyed as a result of a covered loss. 

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional ​coverage. It provides broader coverage for specific items.