Homeowners Insurance

Protect Your Home with the Right Insurance Coverage

Comprehensive Homeowners Insurance for Washington Residents

Your home is more than just a place to live—it’s an investment, a sanctuary, and the center of your life. Protecting it with the right insurance coverage is crucial. At A.G. Beck Insurance, we offer tailored homeowners insurance policies that safeguard your home, personal belongings, and financial future.



As an independent insurance agency, we work with multiple top-rated insurance providers to compare policies and secure the best coverage at the best rates—so you don’t overpay while still getting comprehensive protection for your home.


Proudly serving homeowners in Silverdale, WA, and all of Washington.

Get in touch.

What Does Homeowners Insurance Cover?

Home insurance policies vary based on your specific needs, but we offer comprehensive options to ensure that your home and finances are fully protected.

Dwelling Coverage (Structure of Your Home)

  • Covers repairs or rebuilding if your home is damaged by fire, storms, vandalism, or other covered events.
  • Protects against structural damage to your house, including the roof, foundation, and built-in appliances.

Other Structures Coverage

  • Protects detached structures on your property, such as garages, sheds, fences, or guest houses, against covered losses.

Personal Property Coverage (Your Belongings)

  • Covers furniture, electronics, clothing, jewelry, and valuables in case of fire, theft, or damage.
  • Option to add additional protection for high-value items like fine art, jewelry, and collectibles.

Additional Living Expenses (ALE) Coverage

  • Pays for temporary housing and extra costs if your home becomes unlivable due to a covered loss.
  • Covers hotel stays, meals, and rental expenses while repairs are being made.

Personal Liability Protection

  • Covers legal and medical expenses if someone is injured on your property.
  • Protects against lawsuits for accidental property damage caused by you, your family, or your pets.

Medical Payments to Others

  • Covers minor medical expenses if a guest is injured on your property, regardless of who’s at fault—helping you handle small incidents without legal complications.

Flood & Earthquake Insurance (Optional Add-Ons)

  • Standard homeowners insurance does not cover floods or earthquakes, but we can add separate policies for these risks.
  • Essential for Washington homeowners due to the region’s natural disaster risks.

Not sure what coverage you need? Let us customize a policy that fits your home and budget.

Why Choose A.G. Beck Insurance for Home Insurance?

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Independent & Unbiased

We work with multiple insurers, so you get the best coverage, not just what one company offers.

Affordable Rates with Discounts

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We help you find savings through home security, bundling auto and home policies, and loyalty discounts.

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Personalized Service

We take the time to understand your home and risk factors, ensuring you get the right protection at the right price.

Fast Claims Assistance

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If you experience damage or loss, we’re here to guide you through the claims process hassle-free.

Want to see how much you can save? Call (360) 692-5998 for a free quote today!

Homeowners Insurance Discounts & Savings

Looking for affordable home insurance? You may qualify for several discounts, including:

  • Multi-Policy Discount – Save when you bundle home and auto insurance.
  • Home Security Discount – Lower rates for having a security system, fire alarms, or smart home features.
  • Claims-Free Discount – Rewards for not filing a claim for several years.
  • New Home Discount – Lower rates for newly built or recently renovated homes.
  • Loyalty Discount – Save money for renewing with the same provider over time.

Every insurer offers different discounts—our team will help you find every possible way to save!

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Frequently Asked Questions (FAQ) About Homeowners Insurance

  • How much homeowners insurance do I need?

    It depends on your home’s value, location, and risk factors. We recommend enough dwelling coverage to rebuild your home and enough personal property coverage to replace your belongings. Our agents can help assess your needs.

  • Does homeowners insurance cover floods and earthquakes?

    Standard policies do not cover flood or earthquake damage. However, we offer separate flood and earthquake insurance policies to ensure full protection for homeowners in Washington.

  • How can I lower my home insurance premium?

    Bundling home and auto insurance, installing home security systems, and maintaining a good claims history can significantly reduce your premium. Our team will help you find the best ways to save.

  • Is homeowners insurance required in Washington?

    If you have a mortgage, your lender will require homeowners insurance. Even if it’s not required, having coverage is essential to protect your property and assets.

  • How do I file a homeowners insurance claim?

    If you experience property damage or theft, call our office right away. We’ll guide you through the claims process, ensuring a smooth and quick resolution with your insurer.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Homeowners Insurance Quote Today!

Protect Your Home & Savings with the Best Coverage in Washington

At A.G. Beck Insurance, we specialize in finding the right coverage at the best price for homeowners in Washington.

  • Compare rates from top home insurance providers.
  • Customizable coverage to fit your needs.
  • Expert guidance from local, trusted agents.
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Call us at  (360) 692-5998 to speak with an insurance expert.

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Request a free, no-obligation quote online.

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Get a Free Homeowners Insurance Quote →

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Protect your home and everything in it—contact us today!