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6 Misperceptions About Home Insurance of Which to be Aware

If you currently own or are considering the purchase of a home in the Bellevue, WA region, you may be required to secure home insurance. This is particularly true if you are financing your home. VIP Insured is here to help.

There are, however, many misperceptions about home insurance.

Here are six of them:

1. Flood Insurance is Included

This is not true. Homeowners who wish to be covered from damage due to flooding must secure separate flood insurance coverage.

2. Once Home Insurance is Purchased, You Can Forget About It

You should monitor home insurance every year or two to make sure your coverage is keeping up with inflation, increasing home values, and improvements.

3. Home Insurance Protects from Infestations

This is a misperception. Damage from insect or animal infestations is not generally covered by a standard homeowners insurance policy.

4. Jewelry and Antiques are Fully Covered

This is only partially true. While most home insurance will cover valuables, coverage of collections is usually limited by the terms of the policy. If you have a large collection of valuables, additional coverage may be prudent.

5. My Dog Needs to Bite a Visitor for There to be a Claim

In actuality, if a visitor trips and falls while trying to escape your barking dog and injures themselves, you could be subject to a liability claim.

6. All Home Insurance Is The Same

Where and who you get your home insurance makes a difference. It can impact your premium, customer service, and coverage.

Reach Out To Us

VIP Insured is pleased to offer a variety of personal insurance products, including home insurance, for Bellevue, WA area residents. Should you have questions about your home insurance, would like to have a review, or wish to have a price quote, reach out to us. We are here to serve you.

  • Allied
  • Assurant
  • Chubb
  • Dairyland
  • Direct Auto Home
  • Encompass
  • MetLife
  • Metromile
  • Mutual of Enumclaw
  • National General
  • Nationwide
  • Progressive
  • QBE
  • Safeco
  • Travelers

Servicing States

  • Washington
  • Arizona
  • Florida

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  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
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