Washington HO-3 items to verify
- Owner-occupied status and replacement-cost assumptions for the dwelling.
- Recent updates, permits, and occupancy details.
- For Washington wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in Washington is usually a separate policy or endorsement path, not a default HO-3 assumption.
- Discount proof, mitigation records, and lender requirements.
Owner-occupied quote review
| Question | Why it matters |
|---|---|
| What assumptions did the agent enter? | Roof year, square footage, protection class, and prior losses all matter. |
| Does the quote match lender rules? | Mortgagee wording and deductible limits can affect closing. |
| What is excluded or sublimited? | Flood, earth movement, vacancy, and business use need direct review. |
| What follow-up documents are likely? | Permits, photos, and inspections often answer underwriting questions. |
Practical note
For a Washington HO-3 quote, compare the policy form, deductible wording, and endorsement list before comparing only the premium.