P.O. Box 4052 Silverdale, WA, 98383

CALL NOW! 360-692-5998

A.G. Beck Insurance Inc

Property Insurance

Insurance Protection to Help You Feel Secure at Home. Serving Silverdale and All of Washington.

A.G. Beck Insurance Inc. is on your side. As an independent insurance agency, we review multiple insurance companies and compare protection and prices to find the best value for you.


We’re your neighbors — real members of the Silverdale community. We know what’s important for your homeowners’ insurance policy in Washington, and we’re committed to being your advocate in times of need.


To talk with one of our helpful team members about your insurance needs, contact us today.

Homeowners Insurance

Protect Your Most Valuable Asset With the Right Policy. Serving Silverdale and All of Washington.

If your home were damaged or destroyed, you would want your claim settled by an insurance agency that understands this simple fact.


A.G. Beck Insurance Inc. can help you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.


Whether you own a house, apartment, or condominium — the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!

What Is Home Insurance?

Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.


Homeowners' policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it's a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it's a policy that covers only specified losses.

How Much Does Home Insurance Cost?

Your home insurance policy is most often made up of the specific options you choose, so how much you'll pay for your policy depends on:

  • What You Select.

    Oftentimes, homeowners insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.

  • How Much You Want to Cover.

    Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.

  • Where You Set Your Limits.

    You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren't completely covered? Consider an umbrella insurance policy that extends your coverage.

Common Coverage Options

  • Protection for Your Home

    Property or Dwelling Coverage typically pays to repair or rebuild your home if it's damaged or destroyed by an insured event like a kitchen fire or windstorm.

  • Protection for You and Other People

    Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.


    When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

  • Medical Coverage

    This covers medical expenses for guests if they are injured on your property and, in certain cases, covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

  • Additional Living Expenses

    If you can't live in your home because of a covered loss, your home insurance policy will pay additional living expenses for up to 24 months after the damage is assessed and your home is repaired or rebuilt.

  • Protection for Your Belongings

    Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.

  • Scheduled Personal Property Coverage

    If you have special possessions such as jewelry, art, antiques, or collectibles, you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

  • If You Rent Out Your Home

    Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.

Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list and take photos or videos. Using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn't cover damages caused by poor or deferred maintenance on your part.


Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.

Renters Insurance

Find Inexpensive Coverage for Your Personal Property. Serving Silverdale and All of Washington.

You have a lot of things that are important to you — from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk.


Let A.G. Beck Insurance Inc. help you find coverage options that protect you, your family, and your personal property. Call us at 360-692-5998 and let us help to make sure you’re properly covered.

What Does Renters Insurance Cover?

Your renter's policy covers your personal property against theft or damage, subject to the limits and deductibles you select. The coverage applies even when you are away from home.


For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.


Your renter's insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select.


In addition, you can select medical payment coverage, which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.


Let A.G. Beck Insurance Inc. help you find the right amount of coverage to suit your needs. Call us today at 360-692-5998.

Condo Insurance

Condos Are Unique. Find the Coverage You Need. Serving Silverdale and All of Washington.

Your condo insurance policy covers your personal property and liability, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement.


Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.


Let A.G. Beck Insurance Inc. help you find the right amount of coverage to suit your insurance needs in Washington. Call us today at 360-692-5998 or request a free quote online.

What Does Condo Insurance Cover?

Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property, which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.


If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.


Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments.


Your condo insurance policy also protects you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select.


In addition, you can select medical payment coverage, which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.


A.G. Beck Insurance Inc. can help you determine your coverage needs to make sure you’re properly covered. Call us at 360-692-5998 or contact us online.

Landlord Protection Insurance

Get the Right Coverage to Protect Your Rental Properties. Serving Silverdale and All of Washington.

A rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.

Protect Yourself

Landlord Protection and liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry, as well as other non-bodily injury claims such as libel and slander.

Extra Coverage Doesn’t Have to Cost a Lot

Many landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.

To find out more about this product and other products and services, contact A.G. Beck Insurance Inc. today.

Flood Protection

Since Standard Homeowners Insurance Doesn’t Cover Flooding, It’s Important to Have Protection From the Floods Associated With Hurricanes, Tropical Storms, Heavy Rains and Other Conditions That Impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself.


Learn about The NFIP Partnership.

Flood insurance protects two types of insurable property: building and contents. The first covers your building; the latter covers your possessions; neither covers the land they occupy.

  • Building Coverage Includes:

    • The insured building and its foundation
    • The electrical and plumbing system
    • Central air conditioning equipment, furnaces, and water heaters
    • Refrigerators, cooking stoves, and built-in appliances such as dishwashers
    • Permanently installed carpeting over unfinished flooring
  • Contents Coverage Includes:

    • Clothing, furniture, and electronic equipment
    • Curtains
    • Portable and window air conditioners
    • Portable microwaves and dishwashers
    • Carpeting that is not already included in property coverage
    • Clothing washers and dryers

The two most common reimbursement methods for flood claims are Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the building replacement cost.


All other buildings and personal property (i.e., contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.

Contact A.G. Beck Insurance Inc. or call 360-692-5998 to identify the best combination of coverage, value, and price just for you.

Earthquake Insurance

What Are the Two Most Important Things to Know About Earthquake Insurance? 1. Most Home Insurance Policies Do Not Cover Earthquake Damage. 2. Even if You Don’t Live in an Area Where Earthquakes Are Common, You May Still Need Earthquake Insurance.

Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our neighbors in Silverdale, earthquake insurance can be inexpensive – contact A.G. Beck Insurance Inc. to find out what the costs would be for your home.

Earthquake Insurance Can Have Many Options

Most homeowner, condo, and rental insurance policies do not cover damage caused by an earthquake, but coverage can be purchased as an endorsement or a separate policy. You may be able to choose to purchase earthquake insurance from the same company that provides your home insurance, from a specialized earthquake insurance provider, or from an independent organization such as the California Earthquake Authority (CEA).

Does Washington Really Need Earthquake Insurance?

In all likelihood, almost the entire U.S. would be better protected by purchasing earthquake insurance. Consider the facts:

  • In the West

    According to the U.S. Geological Survey, there is a 70 percent probability that one or more damaging earthquakes of magnitude 6.7 or larger will strike the San Francisco Bay area during the next 30 years.

  • In the East

    The Earthquake Education Center at Charleston Southern University claims there's a 40 to 60 percent chance of a major earthquake somewhere in the eastern United States in the next 20 years.

  • In the Midwest

    According to the Insurance Information Institute, there's a 40 to 63 percent chance the New Madrid Fault (which runs through Arkansas, Kentucky, Missouri, and Tennessee) region will suffer an earthquake with a 6.0 magnitude in the next 15 years.

What Does Earthquake Insurance Cover?

Earthquake insurance provides coverage if your home is damaged by an earthquake. Standard homeowner and renters policies will not cover earthquake damage. Earthquake insurance is a separate endorsement you must buy and add to your homeowner's or renter's policy.


An earthquake endorsement generally excludes damages or losses from floods and tidal waves – even when caused or compounded by an earthquake. However, if you experience a loss due to a landslide, settlement, mudflow, or the rising, sinking, and contracting of the earth, your endorsement may cover it if the damage results from an earthquake.


There are several options to consider when purchasing earthquake insurance, including:

  • Does the policy cover only your home? Are other structures, such as garages, also included?
  • Will your policy pay for the contents of your home and for additional living expenses if your home is badly damaged or destroyed?
  • Are there any exclusions or limitations to coverage?
  • What deductible must you pay before the insurance kicks in?

Earthquakes Can Happen in Washington – Here's how You Can Protect Yourself

  • Make sure your water heater, gas appliances, and other fixtures are fastened securely.
  • Check that bookcases and furniture are secure and fastened to walls.
  • Have a family emergency plan that all family members know. Designate a meeting place outside the home where family members can gather once the danger has passed.
  • Designate a distant relative or friend who can serve as a point of contact and communication for you and your family members if you get separated.
  • Plan ahead. Keep flashlights, batteries, and candles on hand. Have a portable radio.
  • Be sure everyone in your house knows how to turn off utilities (electricity, water, and gas).
  • When shopping for earthquake insurance, ask the company to help you identify possible repairs and other improvements that will make your home safer and minimize damage.

What to Do when An Earthquake Strikes

  • If You Are Inside

    When an earthquake hits, stay inside and get under a heavy table or desk. Stay away from windows. Do not evacuate the building unless emergency personnel direct you to leave.

  • If You Are Outside

    Get away from buildings and power lines, and remember that stone and masonry facings can break loose and fall away from the upper parts of buildings.

  • If You Are in a Car

    Stop safely away from structures, large trees, power lines, and other hazards. Stay inside the vehicle.

  • Keep In Mind

    • Don't use candles until the gas lines are checked. Also, check throughout your home before you use certain utilities, such as water and electricity, sewage connections, and even chimneys.
    • Don't tie up phone lines except to report emergencies.
    • Be prepared. Remember that you will need food and water, even for the short term. Keep your family together and stay alert for aftershocks.

Earthquake insurance needs can vary significantly –talk to us today to find out how to get the best price and value on earthquake insurance for you.

Personal Umbrella Liability Insurance

To Really Feel Secure About Protecting Your Assets and Your Future, You May Need the Extra Level of Protection Provided by a Personal Umbrella Liability Insurance Policy.

Washington – What’s Peace of Mind Worth to You?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you’re covered.

Silverdale – Do You Have Enough Liability Insurance?

Imagine what would happen if your dog were to bite a neighbor’s child or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets or your future earnings.

Liability Insurance Starts when The Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with A.G. Beck Insurance Inc. to determine the right amount of coverage for your needs.

Broad Coverages

An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.

The right coverage for you is unique – talk to A.G. Beck Insurance Inc. today to find out how to protect yourself, your family, and your future with the right personal umbrella insurance for you. Just call 360-692-5998 to speak with one of our agents and determine the right coverage for you.

We’re only a phone call away! Call 360-692-5998 and let us know how we can help.

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