Homeowners Insurance

Your Home Insurance Specialists in Tacoma, Washington

Your home serves as a sanctuary where you can escape from the hectic pace of everyday life. However, the investment you made in it could leave you vulnerable to losses. Dan Marek Insurance can help you find the right renters or homeowners insurance policy to reduce the financial risks associated with maintaining a home, whether you own or rent one.

Types of Property Coverage

There are several types of property insurance. The two primary policies are homeowners insurance and renters insurance. Here’s what you need to know about the two similar policies.

Homeowners Insurance Coverage

A home is often the largest single purchase a person will make in their lifetime, so it makes sense to want to protect a dwelling. However, that is only a tiny part of homeowners insurance’s role in protecting your assets. Here is a breakdown of the major components of most home policies:

Dwelling and structures — This helps cover the cost of repairs to your home (or replacement in the case of a total loss) if it is damaged by a covered event.
Liability — If someone gets injured on your property and files a legal claim against you, the liability portion of your policy will cover the associated costs.
Personal property — Any material belongings inside your home are considered personal property. Many policies also protect these items if they are temporarily stored somewhere else, like in a vehicle or storage unit.
Temporary housing — If your home is uninhabitable because of covered damage, your policy may help offset temporary housing costs while repairs are made.

Renters Insurance Coverage

It is a common misconception that only homeowners need to worry about protecting personal property. In reality, anyone with personal property should be concerned about having the right coverage. Many renters’ insurance policies include personal property and liability coverage to help protect your personal assets.

Get a Quote Today

Dan Marek Insurance offers policies from some of the most well-known and respected names in insurance, including Travelers™, Safeco™, and Foremost™. If you need a new policy or are looking to replace your current tone, we can help. Contact us today at (253) 537-4000 to get a free, no-obligation quote on a homeowners or renters insurance policy.

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