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Home Insurance

Protect Your Home

The right coverage keeps your home and future secure.

Your home is more than just a place—it’s where life happens. At Washington First Insurance, we offer homeowners insurance tailored to protect your property, belongings, and financial future. Whether you're facing unexpected damage, weather events, or liability concerns, we’re here to help you find the right coverage for peace of mind.

An aerial view of a residential area with lots of houses and trees.
A man and a woman are sitting on the steps of a small white house.

Coverage built for homeowners and their needs.

Every home is unique, and so are the risks it faces. That’s why we offer flexible policies that protect against common threats, from fire to theft to liability claims. Explore key coverage types to see what fits your home best.

Coverage Options

Dwelling Coverage

Helps pay for repairs or rebuilding costs if your home is damaged by covered events like fire, storms, or vandalism.

Personal Property Coverage

Protects your belongings, like furniture and electronics, from theft, fire, or damage caused by covered events.

Liability Protection

Covers legal expenses if someone is injured on your property, helping protect you from unexpected financial burdens.

Answers to common questions about homeowners insurance.

  • What does homeowners insurance cover?

    A standard policy covers your home's structure, personal belongings, liability protection, and additional living expenses if you need temporary housing after a covered event. Policies can be customized based on your needs.

  • Is homeowners insurance required?

    If you have a mortgage, most lenders require homeowners insurance. Even if it’s not mandatory, having coverage ensures financial protection in case of unexpected damage or liability claims.

  • Does homeowners insurance cover flood or earthquake damage?

    Standard policies do not include flood or earthquake coverage, but separate policies are available. If you live in a high-risk area, we can help you find the right protection.

  • How can I lower my homeowners insurance premium?

    Installing security systems, bundling policies, increasing deductibles, and maintaining a claims-free history can help lower costs. We’ll review available discounts to ensure you’re saving as much as possible.

  • How do I file a homeowners insurance claim?

    Start by documenting the damage with photos and notes. Contact us to report the incident and begin the claims process. We’ll guide you every step of the way.

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