Home, Condo, Apartment Insurance - Home Owners Insurance Agent in Bellingham
Whether you live in a home, condo, townhouse, duplex, or apartment, everyone needs a homeowners (or renters) policy to protect your valuable assets from loss, and to provide liability protection for you and the premises you occupy. At Oltman Insurance, we have the expertise to provide you with the Home Owners Insurance policy that is tailored to your specific situation. We're also on your side. As an independent insurance agency, we review multiple insurance companies and compare protection and prices to find the best value for you.
We're your neighbors - we are real members of the local community. We know what's important for your homeowners' insurance policy in Washington, and we're committed to being your advocate in times of need.
Home Owners Insurance in Washington State should cover a number of main items including:
- Loss to your Structure (your home or condo itself)
- Loss to any outbuildings (including detached structures, play structures, fences, etc)
- Loss to Personal Property (clothes, furniture, etc)
- Additional Living Expense (the additional cost incurred by you to live somewhere else temporarily while your home is being repaired)
- Personal Liability (covers you for injuries incurred on your premises as well as several other personal coverages both on and off premises)
- Medical Payments (coverage for medical costs incurred by a guest who may be injured on your premises)
In addition to these main coverages, your Oltman Insurance agent will be happy to assist you in determining other special needs and endorsements that may be available to help protect you and your assets including coverage for:
|Valuable Papers / Money ||Limited Watercraft ||Trailers |
|Jewelry, Watches, and Furs ||Firearms ||Silverware |
|Business Property ||Grave Markers ||Golf Carts |
|Backup of Sewer or Drains ||Building Additions or Alterations ||Debris Removal |
|Fire Department Service Charge ||Key Coverage ||Loss Assessment |
|Ordinance or Law ||Refrigerated Property ||Trees / Shrubs / Plants |
|Wage Loss Coverage ||Identity Fraud / Theft Coverage ||Snowmobiles |
Please note that all types of homeowners policies include coverage restrictions and limitations. At Oltman Insurance, we will help you to understand these coverages, and provide you with competitive insurance products to protect you and your family. Give us a call today to review your coverages, provide a quote, or arrange a meeting with one of our qualified Home Owners Insurance Agents in Bellingham & Lynden!