Your home and its contents are not only your must valuable asset financially, but emotionally as well. With Vern Fonk Washington or Oregon Homeowners Insurance, we’ll make sure your dwelling is protected.

Whether you prefer to shop online or get one-on-one consultation from a licensed Vern Fonk insurance agent, you’re in the right place. At Vern Fonk, you can shop for your Washington or Oregon homeowners insurance policy the way you prefer.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and your belongings inside it. Because everyone’s needs are not the same, it is best to consult your Vern Fonk insurance agent to help assess your needs and find the Washington homeowners insurance policy or Oregon homeowners insurance policy that is right for you.

Homeowners insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets. Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners responsibility.

Lending institutions usually require mortgage customers to purchase homeowners insurance. Don’t rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions.