Homeowner insurance
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Peace of mind for the place that matters most
Your home is more than just a place to live. It's where you build memories, create a safe haven for your loved ones, and invest in your future. That's why at PEMCO, we're committed to providing homeowners with the customized insurance policies they need to preserve their homes, possessions, and peace of mind.
Homeowner insurance from PEMCO Mutual Insurance
Looking for comprehensive homeowner coverage that meets your unique needs? Look no further than PEMCO Mutual Insurance. We understand that your home is a significant investment, and that's why we offer customizable, affordable, and reliable insurance policies that cover a wide range of risks. Get a personalized quote today and experience the difference of working with a company that puts your needs first.
With PEMCO, your home can be covered from damage caused by theft, a burst pipe, and more. Learn more about homeowner insurance coverages and what they mean. Our local experts are here for you, whether you need assistance filing a claim or are looking for advice on home maintenance or upgrades. And, if you need additional insurance beyond standard homeowner coverage, including flood or earthquake insurance, our subsidiary company PEMCO Agency may have an insurance solution for you.
Find out what makes PEMCO one of the best insurance companies in the Pacific Northwest, serving homeowners in Washington and Oregon for over 75 years.
Homeowner insurance coverage from foundation to roof
With PEMCO, you can protect your entire home, from foundation to roof, with a range of coverage options that meet your specific needs.
Dwelling Coverage
Can cover damage to the structure of your home caused by a variety of risks, including fire, lightning, wind, hail, and more.
Personal Property coverage
Helps to cover the cost of replacing or repairing your belongings, including furniture, appliances, electronics, and more.
Liability coverage
Can help protect you if someone is injured on your property or if you damage someone else's property.
Additional Living Expenses coverage
Can help pay for additional living expenses if you are unable to live in your home due to damage from a covered loss.
Home Repair coverage
Provides coverage for repair costs for items such as plumbing, electrical systems, and HVAC systems in your home.
Homeowner insurance coverage for you and your family
At PEMCO, we understand that your home is not just a building — it's where your family lives and often grows together. That's why we offer a range of coverage options that protect not just your home but also your loved ones.
Medical Payments coverage
Can pay for medical expenses if someone is injured on your property, regardless of fault.
Personal Liability coverage
May protect you if someone is injured on your property or if you damage someone else's property.
Loss of Use coverage
Can help pay for additional living expenses if you are unable to live in your home due to damage from a covered loss.
Homeowner insurance that gives you peace of mind
We're committed to providing homeowners with the peace of mind they need to enjoy their homes fully.
Why choose PEMCO for your homeowners insurance?
Customizable coverage
Our experienced agents work with you to create a homeowner insurance policy that caters to your unique requirements, ensuring you only pay for what you need.
Competitive premiums
Our competitive rates and various discounts make it easy to find a policy that fits your unique needs.
Easy-to-use online platform
Get a quote, purchase a policy, manage your account, and file claims anytime, anywhere with our user-friendly website and mobile app.
Local, personalized service
Our knowledgeable, friendly agents are always here to help with any questions or concerns you may have about your homeowner insurance. Licensed insurance experts are ready to assist you when you need it most.
Trustworthy and reliable
With our long-standing reputation for excellent customer service and financial strength, you can trust PEMCO to be there when you need us.
Homeowner insurance discounts and rewards
Save money on your homeowner insurance policy with PEMCO. We offer a range of discounts and rewards for homeowners who take steps to minimize their risks and protect their homes.
Protection device discount
Save on fire, gas, theft, and water devices that feature alarms, are self or centrally monitored, or include an automatic shutoff.
Sprinkler discount
You'll save if your home has a sprinkler system.
Learn more about homeowner insurance discounts and rewards available to you.
The definitions on this page are simplified and therefore not legally binding. Your policy will have more details about your specific coverages and exclusions. To learn more about your specific policy, you can log into your PEMCO self-service account or talk with your local PEMCO agent.
FAQ
You and your neighbor should both file a claim with your own insurers. Your policy's liability section may provide coverage if you've been negligent in taking care of the tree, and that negligence contributed to the tree falling.
The policy will provide coverage for the damage to your home. Debris-removal coverage also will be available, up to $2,000, since the tree damaged a covered structure.
Homeowner tips and resources
PEMCO is here to help you worry less and live more by providing you with prevention tips and resources straight from the experts.
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