Farm & Ranch in Washington
Combines dwelling, outbuilding, equipment, livestock, and farm liability coverage that a standard homeowners policy will not write.
What is different in Washington
The Cascadia subduction zone makes earthquake the largest uninsured exposure in the state — it is excluded from homeowners policies, written separately, and carries percentage deductibles that surprise people. Eastern Washington wildfire and western Washington riverine flooding are both significant and both need separate placement.
Exposures that shape pricing here
- earthquake
- wildfire
- flood
- winter storm
- landslide
Farm & Ranch reading
- Buying guides
How to choose an insurance agent
Anyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.
- Coverage explained
Auto insurance explained: what each coverage actually pays for
An auto policy is six separate coverages sold as one product. Most of them have nothing to do with your car. Here is what each one does.
- Coverage explained
Homeowners insurance explained: the six parts of the policy
A home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.
- Coverage explained
Flood insurance explained
A separate policy for the peril your home policy excludes. What it covers, what it does not, and the waiting period that catches people out.