Homeowners Insurance
Homeowner's Insurance in Washington, Oregon and Arizona
Homeowner's Insurance
Your home is your sanctuary, and protecting it with the right homeowners insurance is crucial. Whether you’re in Port Angeles, across the Olympic Peninsula, or in Oregon or Arizona, DFG Insurance offers comprehensive homeowners insurance coverage to give you peace of mind. We work with top-rated insurance providers to find you the best rates and the most suitable coverage for your home and belongings.
At DFG Insurance, we understand the unique needs of homeowners in the Pacific Northwest and beyond. With our expert guidance, we’ll help you select the right policy to protect your home, your family, and your personal property, so you can focus on what matters most.
What Does Homeowners Insurance Cover?
A homeowners insurance policy is designed to protect you against unexpected events. Here’s an overview of the key coverages included in most policies:
Dwelling Coverage
This protects the structure of your home against damage from perils like fire, wind, hail, and vandalism.
Personal Property Coverage
This covers your belongings, such as furniture, electronics, clothing, and other personal items, in the event of theft, fire, or other covered incidents.
Liability Coverage
This protects you if someone is injured on your property or if you accidentally damage someone else’s property.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this coverage helps pay for temporary housing, food, and other living expenses.
Medical Payments
This covers medical costs if someone is injured on your property, regardless of who is at fault.
Flood Insurance
Available as an add-on, this provides coverage for water damage from floods, which standard homeowners insurance doesn’t typically cover.
Frequently Asked Questions
What types of home insurance policies do you offer?
We provide comprehensive home insurance options, including standard homeowners insurance, mobile home insurance, and specialized fire insurance endorsements. Whether you need basic dwelling protection or full replacement-cost coverage, DFG Insurance—formerly known as Doty Insurance, Fryer Insurance, Poulsbo Junction Insurance, and Gellor Insurance—has you covered.
How do I get a home insurance quote in Sequim or Port Angeles?
Simply contact our licensed agents for a free home insurance quote tailored to your needs. We serve Sequim, Port Angeles, Forks, Port Townsend, and the broader Olympic Peninsula, as well as Oregon and Arizona. We compare top carriers to find competitive rates and optimal protection.
What factors affect my homeowners insurance premium?
Your premium depends on factors like your home’s age, construction materials, claim history, and location—whether it’s Homeowners Insurance in Sequim, home insurance Poulsbo, or in Port Angeles. We also consider deductible selection, safety features, and coverage limits.
Does home insurance cover natural disasters like wildfires or windstorms?
Yes—most standard policies include perils such as fire, wind, hail, and lightning. For high-risk areas on the Olympic Peninsula, we can add optional endorsements or recommend fire insurance riders to ensure you’re fully protected.
Can I bundle my home and auto policies with DFG Insurance?
Absolutely. As an independent & trusted agency, we offer multi-line discounts when you bundle home insurance with auto insurance, RV insurance, or commercial auto insurance—even across state lines in insurance Oregon and insurance Arizona.
How do I file a home insurance claim in Port Townsend or Forks?
Call our local office or your dedicated DFG agent. We’ll guide you through the process—documenting property damage, coordinating with adjusters, and helping you get repairs underway as quickly as possible.
What makes DFG Insurance different from other agencies?
Since 1928, we’ve combined local expertise on the Olympic Peninsula with the independence to shop dozens of top-rated carriers. Our friendly agents provide personalized service, ensuring you understand every aspect of your home insurance policy.
