Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A-(Verified 04/18/2025)
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Number of Reviews
PEMCO Home Insurance Review
PEMCO Home Insurance is an insurance carrier based in Seattle, WA. The company was founded in 1949 and offers home insurance in 2 states in the USA.
PEMCO Home Insurance FAQ
What is the financial strength rating of PEMCO Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
PEMCO Home Insurance scores an A- financial strength rating. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.
What types of coverage does PEMCO Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. PEMCO Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
PEMCO Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a PEMCO Home Insurance home insurance policy?
When you ask for a quote with PEMCO Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with PEMCO Home Insurance.
What additional benefits does PEMCO Home Insurance offer?
PEMCO Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 6:00PM
Tuesday
7:00AM - 6:00PM
Wednesday
7:00AM - 6:00PM
Thursday
7:00AM - 6:00PM
Friday
7:00AM - 6:00PM
Saturday
8:30AM - 5:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
PEMCO Home Insurance Community Reviews
Would you recommend PEMCO Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
They have excellent customer service, for me personally thats a must, I received my quote for insurance online, and everything went smoothly form there.
MF
Madeline F.
Nov 10, 2022
May or may not recommend
I shopped around for home insurance for a while and ended up settling on PEMCO. For people living in the PNW I don't think there's a better option you could choose. Great rates, fantastic customer service, just all around great. I've never had problems with them.
NS
Nathalie S.
May 11, 2022
May or may not recommend
They have excellent customer service, for me personally thats a must, I received my quote for insurance online, and everything went smoothly form there.
Andrew H.
Aug 12, 2021
May or may not recommend
If you live in Washington or Oregon this is an excellent company that treats you like a human.
SH
Sally H.
Apr 10, 2021
May or may not recommend
In many ways, I've enjoyed working with this business. When it comes to my claims, I've never had any problems, which is something I can't tell for other firms in which I've worked.
Showing 5 of 5 reviews
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