Home Insurance

With the passage of Washington state laws like HB 1337, which allows up to two ADUs per lot in urban areas like Spokane, and the new 2026 rural ADU law (HB 1345), accessory dwelling units are booming across the Inland Northwest. Whether building a backyard cottage, finishing a basement suite, or converting a garage, an […]

To legally run an Airbnb in Spokane you must verify zoning and unit caps, register for state and city business licenses, obtain a short-term rental permit through the Accela portal, and carry commercial short-term rental insurance — standard homeowners policies exclude paying-guest claims. Spokane actively enforces compliance with fines in 2026. Short-term rentals offer an

Homeowners insurance in Washington covers your dwelling, detached structures, personal property, liability, and loss of use for covered losses like windstorms and fire — but excludes the ‘big three’: floods, earthquakes, and landslides. In 2026, average premiums run about $1,100–$1,600 per year, influenced by credit history, wildfire risk score, and roof age. Do you need

Your homeowners insurance generally covers backyard accidents through personal liability and medical payments coverage — paying a guest’s medical bills and your legal costs if someone is injured. But high-risk features like pools and trampolines are ‘attractive nuisances’ that may require safety fencing or be excluded, so tell your insurer and consider an umbrella policy.

Yes, luxury homes (generally those valued at $1 million or more) usually need specialized insurance. Standard homeowners policies don’t account for high-end custom finishes, unique amenities, or the higher-risk locations luxury homes often occupy. Luxury home insurance adds features like guaranteed rebuild, contents replacement cost, high liability limits, and risk consulting. Are you considering purchasing

Washington’s increasingly extreme weather — wildfires, severe storms, and earthquakes — is driving home insurance rates up as insurers face larger, more frequent losses. The average homeowners claim was about $13,955 in 2022 (over $77,000 for fire). You can lower rates by hardening your home, improving drainage, firescaping, raising your deductible, and shopping around. See

In home insurance, replacement cost is what it would take to rebuild your home today, while market value is what the home would sell for. They’re often very different — market value reflects location and economic conditions, while replacement cost reflects current materials and labor. Most homeowners should insure to full replacement cost so a

First-time home buyers in Post Falls, Idaho should start with a standard HO-3 homeowners policy, which covers your dwelling, other structures, personal belongings, liability, and loss of use against covered events like fire, wind, and theft. Floods and earthquakes aren’t included and require separate policies. Are you a first-time homebuyer? When you’re purchasing your first

Home insurance claims for fires, theft, and dog bites — plus filing multiple claims in a short time — can raise your premiums, while excessive claims, owning high-risk dog breeds, or rising neighborhood risk can get your policy canceled or non-renewed. Filing only necessary claims and hardening your home helps keep coverage affordable. Are you