5 Costly Mistakes Washington Homeowners Make

5 Costly Mistakes Washington Homeowners and Drivers Make — And How To Avoid Them

Buying a home and owning a car are two of the biggest milestones in life. They’re also two of the biggest investments most people ever make.

Yet too many homeowners and drivers across Washington leave themselves exposed — without even realizing it.

At Ben Volk Insurance, we help families every day protect what matters most — and save money doing it.
Here are 5 costly mistakes you can easily avoid:

1. Not Having Enough Homeowners Insurance

Many homeowners only insure their home for what they paid — not what it would cost to rebuild after a total loss.

With rising construction costs, that gap can leave you thousands short when you need it most.

Smart Homeowners Protect Themselves With:

Full Replacement Cost Coverage

2. Skipping Comprehensive Auto Coverage

If you only carry liability, you’re exposed if your car gets stolen, vandalized, or damaged by weather events — which are on the rise.

Smart Drivers Protect Themselves With:

Comprehensive Auto Insurance

3. Missing Out On Bundle Discounts

Many Washington families are overpaying because they buy home and auto insurance separately.

Bundling your policies could save you hundreds a year — and simplify your billing.

Smart Families Protect Themselves With:

Auto + Home Bundles

4. Ignoring Personal Liability Protection

Homeowners insurance isn’t just about the house — it’s about lawsuits, too.
If someone gets hurt on your property, you could face major claims without strong liability coverage.

Smart Homeowners Protect Themselves With:

Increased Personal Liability Limits
Umbrella Insurance

5. Not Reviewing Policies Annually

Life changes fast — marriage, kids, new jobs, moving homes. If your coverage isn’t updated yearly, you could be paying too much — or missing critical protections.

Smart Families Protect Themselves With: