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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.

Home Security Purchases You Should Consider

Today there are lots of products and technology available to help us make our homes safer. Here at VIP Insured we aim to help homeowners in Bellevue, WA and the surrounding areas create safe secure homes.

Let’s look at some home security purchases you might want to consider:

Door Bell Cameras

Doorbell cameras have grown in popularity in the last several years. This type of technology allows you some of the benefits of being home even when you are not at home. The cameras can be synced to your smart devices so that when the camera is activated by a visitor on your porch, you are notified. From the convenience of the app you can then see what the camera is seeing. You’ll know exactly who is on your property.

In addition to this, you also have the option of communicating with the individual through the device as well. The individual does not know if you are responding from within the house or from miles away. This puts you in control of the situation. Individuals with bad intentions are often discouraged by this technology because the property owner can see and hear what is going on as well as communicate directly with them. 

Motion Sensor Lights 

Motion sensor lights have been in use for many years, and families can increase the security of their property by installing this easy lighting option. If you do not want to keep your property lit up all night, motion sensor lights are a great middle ground as they only light up when motion is detected in a certain space. 

Reach Out To Us

If you would like to learn more about home insurance, please contact us at VIP Insured, serving Bellevue, WA and the surrounding areas. We will be happy to help. 

Things that home insurance won’t cover

You may feel invincible with your home insurance. No matter what carrier you have your policy with, it provides loads of great coverage, but it does have exclusions, and knowing what they are can help you be prepared for them. At VIP Insured in Bellevue, WA, we have more than 50 years of combined insurance experience, and we work hard to make sure our customers have all the information they need to make educated insurance choices. 

Home Insurance Exclusions


As this year’s hurricane season shows, flooding is a very serious threat to homeowners. The fact that your home insurance doesn’t cover flooding is something you need to consider carefully. Optional coverage is available from the NFIP (National Flood Insurance Program) and if there is any possibility that your home could be devastated by a flood, having this coverage makes good sense. 

Earth Movement

Earth movement is not just one thing. It includes earthquakes, mudslides, landslides, and sinkholes. If the earth is moving, you can be pretty sure that your home insurance is not going to cover the resulting damage. If this is a worry you have, you can purchase additional coverage to protect yourself. 

Owner neglect

This is one exclusion that most people probably don’t think about, but it is very real. The insurance company expects that you are going to make any repairs that your home needs in a timely manner, and they can cancel your policy if they ask you to fix something, and you don’t. Repairs also mean preventative actions like treatments for termites and rodent infestation. 

Sewer backup

If the sewer backs up into your home, the damage and cleanup are on you.  You can get a rider to cover sewer backup.

Give Us A Call

Contact VIP Insured in Bellevue, WA with any home insurance questions you have.

Does Home Insurance Cover Valuables in Your House?

Staying Protected With Homeowners Insurance

Your homeowner’s insurance covers a variety of factors that include structural damage, liability protection, and some personal belonging coverage. Typically, items like furniture, clothing and some other valuables are included in your homeowner’s policy. However, more expensive items such as jewelry or other high-dollar items may require additional coverage. Luckily, there are some simple ways to ensure your most valuable possessions are covered from loss and damage.

The team at VIP Insured of Bellevue, WA can walk you through your homeowner’s insurance policy so you know what it covers. Keeping your valuables protected is important and having the right coverage will ensure you can rest with peace of mind.

Protecting Your Valuables

Unforeseen events such as fires or thefts can leave you at a loss when it comes to your valuables. Without adequate coverage, you may face hard financial losses that can be emotionally challenging. There are ways to protect your most valuable items beyond standard homeowners insurance. Additional personal property insurance can be purchased to mitigate costs of replacement in the event of an accident or theft. Another way to protect your valuables is to raise the liability limit on your homeowner’s policy. Aside from these measures, purchasing safes and other forms of security are ways to reduce theft and loss of valuables. Speaking with a qualified insurance agent will help you define what your specific needs are.

Professional Insurance in Bellevue

Contact VIP Insured of Bellevue, WA to speak with one of our knowledgeable agents to discuss homeowners insurance quotes. We have helped countless individuals understand what their homeowner’s insurance covers, and what it doesn’t. Our team looks forward to helping you find the best rates and policies available.

How much home insurance do you need in Washington?

The average home value in Bellevue, WA is $950,000. The area often populated by more affluent residents in Washington is ideal for those looking to settle down and enjoy nature. How much home insurance should you consider if you live or plan to reside in Bellevue, though? The agents at VIP Insured can help you understand how an indemnity policy works. 

What does home insurance cover?

The best home insurance policies cover the structure as well as items inside the residence. Some homeowners purchase the most expensive plans in the hope of having all incidents covered. Home insurance, however, is more detailed than merely having high policy limits. 

A homeowner can have high policy limits and still find himself outdoors because of natural disasters. A policyholder can also have high policy limits and find himself paying to rebuild his home because his home’s actual cash value is not enough to cover all the damages. When considering how much home insurance to buy for your home in Bellevue, WA, it is best to focus on what the plan includes. 

How much home insurance do you need?

Purchasing a home insurance plan that includes natural disasters such as flooding and earthquakes is always a good idea in Washington. You may also want to consider a policy that offers total replacement over actual cash value. Total replacement covers the entire cost of damages. 

Some homeowners have antique items in their homes and garages. It may be ideal to purchase a home insurance plan that pays the appraised value of these items in a disaster and not the actual market value. 

The actual amount of home insurance you need is ultimately a discussion for you and a professional at VIP Insured. Call today to get started with a quote.

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