Bill Topalian Insurance
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Homeowners

SAVE MONEY WHEN YOU QUALIFY FOR PEMCO'S DISCOUNTS:

  • Home Plus Save 10% off your base homeowner premium when you insure your home and auto with PEMCO.

  • GOOD CREDIT - If you have good credit, we offer a range of discount levels based on your insurance score.

  • NEW HOME - Save up to 25% off your base homeowner premium when you own a newer home.

  • CLAIMS HISTORY - Save 10% if you have not filed any claims in the past 3 years.

  • SAFETY RELATED - Save money if you have deadbolt locks, a fire extinguisher, fire/smoke alarms, a burglar alarm system, or sprinkler system.

Your House
If your house is damaged or destroyed by an event covered under your policy, your Homeowners Policy will help you rebuild.  Our Extended Replacement Shield extends coverage to 125% of your dwelling coverage limits to rebuild your home in the event of a total loss.  Our Inflation Protection automatically keeps pace with inflation to ensure your home is properly protected.  Loss of Use coverage pays for necessary increases in living expenses while your home is uninhabitable due to a covered event.

Your Personal Belongings
Those things that make a house a home - your grandfather's roll-top desk, your favorite reading chair, that sweater you've had since college - are all covered under your homeowners policy wherever you are in the world.  If your luggage is stolen while you're on vacation, you're covered.  A leather jacket stolen from your car?  You're covered.  Additionally our Replacement Cost coverage allows you to replace stolen or damaged items with new , comparable items.  Many homeowners policies only allow you to recover the amount of what the item is worth at the time of the loss which includes depreciation.  You can also get added protection for your special items - jewelry, fine art, silverware - allowing you to collect the full appraised amount with no deductible whether the items are lost or stolen.

Personal Liability
As lawsuits and the amounts juries are awarding continue to increase, you need to protect what you've worked diligently to build.  The personal liability coverage protects you if you are found legally liable for causing injury to another person or damaging someone else's property.  Coverage limits are available up to $500,000.  If you need more coverage consider our Umbrella Policy.

The Advantage

  • Repairs are Guaranteed - If your home is damaged by a covered event and we reach an agreement with a contractor, the work is guaranteed for five years from the time of the event.
  • Convenient Payment Plans - We have numerous options including having your monthly payment automatically deducted from your checking account.
  • A Trusted Partner - The Pacific Northwest is our home and we serve only this select market.  This gives us a unique perspective on the needs of this very special part of the world.

Send for a quote:
If you're a responsible person you owe it to yourself to talk to us.  Click on the 'Free Quote' link and submit the request.  A representative will get back with you shortly.