Home Insurance

Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Boyd Insurance Brokerage can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Insurance for All Kinds of Homes

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

Washington, Idaho, Montana, California, Oregon, Arizona, Colorado, and Kentucky – What you need to know about homeowners insurance.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Boyd Insurance Brokerage is here to help you find the right insurance for your home Whether you’re a home or condo owner, a renter, or a landlord, Boyd Insurance Brokerage will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:

  • What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
  • How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
  • Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

The Right Coverage. The Right Price. The Right Value

The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your Home

Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other People

Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical Coverage

This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living Expenses

If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

Spokane, Washington – Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.

All Risk Coverage

A type of insurance policy that covers claims from any peril not specifically excluded in the contract. This kind of plan is the exact opposite of another kind known as “named peril coverage,” which instead covers losses from only those events spelled out in the policy.

All-risk coverage is a more comprehensive type of insurance plan that tends to cover more claims situations and provide more protection than named peril policies. The advantage here is that the protection is so sweeping in nature that most usual and unusual events are covered. Possible exclusions might include home mold and water damage due to flood; earthquakes

Broad Form Coverage

The Broad Form policy provides coverage on property that does not need all of the protection offered by the Special Form. Some of the causes of physical damage the Broad Form policy provides coverage for are:

  • Fire
  • Windstorm or hail
  • Riot or civil commotion
  • Aircraft
  • Smoke
  • Lightning
  • Explosion
  • Vehicles
  • Vandalism or malicious mischief
  • Theft (limited on premises)
  • Sudden and accidental tearing apart, cracking, burning or bulging
  • Accidental discharge or overflow of water or steam
  • Sudden and accidental damage from artificially generated current
  • Falling objects
  • Weight of ice, snow or sleet
  • Freezing

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