The Washington insurance landscape continues to shift in response to weather patterns, rising construction costs, and market stresses affecting carriers.

Key changes WA homeowners should know:

• Rising rebuild costs are increasing coverage requirements
• Wind and storm claims have increased across Western Washington
• Manufactured & mobile home markets require more precise underwriting
• More carriers are requiring updated roofs to maintain coverage
• Accessory Dwelling Units (ADUs) may require coverage adjustments

Coverage features homeowners should review:

• Replacement Cost vs. Actual Cash Value
• Extended Dwelling Coverage (important with construction inflation)
• Water backup & service line coverage
• Earthquake and flood insurance (not included in most policies)
• Home-based business endorsements for remote workers and side businesses

Bottom line:
2026 is shaping up to be a review‑year for many WA homeowners. Annual policy check-ins are critical to staying fully protected.