For homeowners with valuable items like jewelry, art, and antiques in and around the Lynnwood, WA area, standard home insurance may not adequately protect these treasures. In the event of loss, theft, or damage to these high-value possessions, homeowners may face significant financial losses if they haven’t taken the necessary steps to schedule these items separately. 

The Importance of Scheduling High-Value Items

Scheduling high-value items is a process of listing and separately insuring each valuable possession on the home insurance policy. By doing so, homeowners can ensure that these items receive adequate coverage and are protected against a broader range of risks. Critical considerations for scheduling valuable items include:

1. Accurate Valuation: Scheduling valuable items requires an accurate appraisal or valuation to determine their worth. This valuation ensures that the item is insured for its total value and can be replaced or repaired in case of loss or damage.
2. Specific Coverage: Scheduling items separately allows homeowners to specify the coverage needed for each possession. When dealing with insurance, everything must be specific. This can include coverage for accidental loss, theft, mysterious disappearance, and even coverage for damage caused by regular wear and tear.
3. Comprehensive Protection: High-value items may be more risky than standard household belongings. Scheduling these items separately can provide complete protection, even if the damage or loss occurs outside the home, such as while traveling or on loan for the exhibition.
4. No Deductibles: Scheduling valuable items often comes with the advantage of no deductibles. In the event of a claim, homeowners won’t have to pay any out-of-pocket expenses before receiving compensation.

Sound Choice Insurance Agency Inc Can Help You

Here at Sound Choice Insurance Agency Inc., we can answer all your questions concerning homeowners’ insurance. We assist the Lynnwood, WA region. Contact us today.

Your Lynnwood, WA home probably means a lot to you. Sound Choice Insurance Agency Inc. wants you to understand homeowner’s insurance and what it covers and doesn’t. Most home policies do not cover termite damage because it happens over the long term.

Homeowners Can Prevent Termites

Unfortunately, if you found termites and they’ve caused damage, your home policy probably does not cover it. Check your policy to see if it does cover it.

Here’s why most home policies do not cover termites.

Underwriting companies expect homeowners to upkeep their homes and undergo regular termite inspections regularly.

A home cared for properly does not develop termites. They require an entry point and a moist environment, so by conducting regular home maintenance, homeowners avoid providing such entry points.

Consider purchasing a termite protection plan, a reasonably priced preventative measure that includes an annual visit from termite inspectors. Termite protection plans cost between $50 to $280.

How Else Could You Find Out Your Home Has Termites?

When you sell your home, it must undergo an inspection to find any problems with it and a valuation to determine its worth. This inspection checks for termites. The mortgage lender can require a termite warranty or bond if the inspection finds termites. The warranty pays for termite treatment for the future homeowner. These warranties cost an average of $2,000.

Don’t Let Termites Catch You Off Guard

Take action today to check for termites in your home and begin remediation if you do. Contact Sound Choice Insurance Agency Inc. for a home policy to protect your home from damage from named perils. We serve the greater Lynnwood, WA area with the insurance its residents need to protect their financial security.

 Homeowners’ insurance is a necessary part of owning a home in the Pacific Northwest. Sometimes changes in life warrant changing your homeowners’ policy to suit your growing needs better. No matter what the life event, refreshing and renewing your policy can be a great choice to save you money and provide the assurance you need that you’ll be covered in any event.

Sound Choice Insurance Agency Inc of Lynnwood, WA has some tips on changing policies that can help you.

Ask your Agent

If you are changing homeowners insurance by choice, ask your agent to help you shop for a new policy that meets all of your home and insurance needs. Insurance agents can help you compare and contrast your new policy vs. the old to understand your updated coverage and costs. If you have difficulty meeting the qualifications for an insurance plan, your agent may also be able to work directly with your lender to find new insurance options.

Request Notice in Writing

If your insurance policy does not plan to renew, they legally have to give you written notice in Washington. Policies can choose not to renew for various reasons, including an exchange in company ownership or if the homeowner cannot pay the premiums. For non-renewal of current accounts, you will get a 45-day written notice. A 10-day written notice is required for cancelation if premiums are behind, and you should always receive a clear explanation for the denial of benefits.

Sound Choice Insurance Agency Inc of Lynnwood, WA is an experienced insurance provider for a diverse group of Washington homeowners. Contact us today for a quote.

Are you living in Lynnwood, WA, and have discovered a wild animal in your home? Sound Choice Insurance Agency Inc explains what you should know about home insurance and wildlife removal.

Homeowners’ insurance covers certain types of damage to property and people, but it does not cover every type of incident that could occur. Depending on the specific policy, homeowners insurance may cover fire damage, theft, personal liability for injuries or damage caused by you or family members living in your home, weather-related damage such as lightning strikes, and vandalism or malicious mischief.

Generally speaking, most homeowners insurance policies do not cover removing animals from your home unless deemed medically necessary due to an animal-born illness or injury. So, if you discover a wild animal in your house—such as a raccoon in the attic—it is likely not covered under homeowner’s insurance.

Who Can Help with Wildlife Removal?

If your home insurance policy does not cover removing wild animals from your home, then who can help?  Fortunately, several companies specialize in humane wildlife removal services throughout Lynnwood, WA. These companies provide various services to safely remove unwanted critters from homes and businesses without harming them or risking further damage to the property. 

In conclusion, homeowners in Lynnwood, WA need to understand what their home insurance covers regarding wild animal removal from their homes. Most policies do not cover this service, but several companies are available that specialize in humane wildlife removal services at additional costs. Taking these steps can ensure that you and any unwanted critters will be safely removed without putting anyone at risk of harm or further damage to the property. Contact Sound Choice Insurance Agency Inc today – we can help you find the right policy.