Silverdale : 360-337-0116

Port Orchard : 360-876-0706

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Taking care of your insurance needs, inside and outside the home!

Homeowner's Insurance

Protect Your Home with Home Insurance in Western Washington

With offices in Silverdale & Port Orchard serving all of Western Washington

Homeowners insurance in protects your home in the event of extreme weather, fire, theft, or personal injury. With the right policy, you can rest assured that your home will be covered.

Since 1998, Olympic Northwest Insurance helps customers feel confident that their policy provides the highest protection with the lowest premiums. As insurance brokers, we negotiate with several providers to find the best policy for homeowners.

Hazard and Liability Coverage

Two types of home insurance protection are available: hazard and liability insurance.

  • Hazard insurance protects homeowners against fire, weather, or theft. It covers the value of the damages or replacement costs.
  • Liability covers personal obligations for accidents on your property. A few common examples include slip and fall accidents, dog bites, and swimming pool injuries.

Mortgage companies require these types of home insurance in. This is because your house becomes collateral when you take out a mortgage. You will need to buy a minimum amount of insurance to protect that collateral.

Annual Premiums

Costs vary depending on the amount of coverage, where you live, and your home's value. Like other insurance types, each policy carries a deductible, the amount you pay when you file an insurance claim. Higher deductibles lower your monthly premium, and you can usually pay this amount with your monthly mortgage payment.

Limitations

Standard homeowners insurance does not protect everything, such as earthquakes and floods. Some policies also have limits on household items, like cash and jewelry. Additionally, homeowners insurance does not cover business equipment.

Contact Us

Our agents will work with you to find the right protection for the things you value most. We take into account your location, your activities, and the potential risks you might have. Contact us at 360-337-0116 for Silverdale or 360-876-0706 for Port Orchard.