Home Insurance
Protect your biggest investment with Hoover Insurance NW. Get a quote or talk to an agent to find out how much you could save on your homeowners policy.
Home insurance issued by Hoover Insurance NW
Understanding your home protection
A typical homeowners policy includes several key components designed to safeguard your finances. We'll work alongside you to tailor a plan that aligns with your unique requirements.
| Coverage | Definition | Example |
|---|---|---|
| Dwelling coverage | Helps pay to repair or rebuild your home's physical structure if it's damaged by a covered peril like fire, wind, hail, or vandalism. | A severe windstorm damages your roof and siding. Dwelling coverage can help pay to repair or rebuild the damaged portions of your home. |
| Personal property coverage | Helps pay to repair or replace your personal belongings, such as furniture, electronics, and clothing, if they are stolen or damaged by a covered peril. | A burglar breaks into your home and steals your television and laptop. Personal property coverage can help cover the cost to replace these items. |
| Liability protection | Helps protect your financial assets if you or your family members are found legally responsible for injuring someone or damaging their property. | A guest slips on your icy driveway and breaks their arm. Liability coverage can help pay for their medical bills and legal fees if they sue. |
| Additional living expenses | Helps cover the extra costs of living elsewhere if your home is temporarily uninhabitable due to a covered loss. | A fire makes your home unlivable while repairs are being made. This coverage can help pay for hotel bills and restaurant meals during that time. |
You can also add flood insurance, earthquake coverage, scheduled personal property for high-value items, and other specialty coverages.
Homeowners insurance discounts
Consider enrolling in discounts to rack up savings without cutting coverage. We offer numerous options, and yes, layering multiple discounts is OK.
Multi-policy discount
You could save 10% or more by bundling home and auto policies, depending on where you live.
Protective devices
Homes with monitored fire and burglar alarms, deadbolts, and smoke detectors can get discounts.
Claim-free discount
If you haven't filed a claim in three or more years, you could qualify for a discount on your premium.
What information do I need to get a home quote?
Have this information at your fingertips to help make the quote process quick and easy.
Personal details
- Name and date of birth
- Current address and phone number
- Claims history for the past 5 years
Property information
- Property address and year built
- Square footage and number of rooms
- Roof type and age, heating/cooling systems
Frequently asked questions
Getting started is easy!
Tell us what you need
Start online or call our office. It only takes a few minutes.
We compare options
Our team shops multiple carriers to find the right fit.
You choose with confidence
We explain the differences before you decide.
Ready to compare your coverage options?
Prefer to talk first?
Call 360-658-4149
