AYAO Insurance
Team AYAO

Can you believe AYAO Insurance is 3 years old?!

Happy birthday to AYAO! What an eventful 3 years it has been! 🎉

We are so fortunate and grateful to have all of our amazing customers and partners with us along this journey. 🤝

A big thank you to our awesome team, Gretchen and Joti, you ladies...

What are insurance exclusions?

Most of the risks that are not covered by insurance companies fall into the following categories of reasons:

-Maintenance Related Concerns
-Coverage Exists Elsewhere
-Unlawful Events
-Catastrophic Events

Learn more: https://www.teamayao.com/insurance-exclusions/
...

We all want cheap auto insurance, but more importantly, reliable insurance is what matters when you need to file a claim. Everyone needs insurance so make sure you choose an agency that you can trust to be there for you.

You can count on us!

AYAO Insurance - Team AYAO
(425) 822-1212

Deductible Options

A deductible is your out-of-pocket expense before a claim payout is made by your insurance company. Most insurance companies offer fixed deductible options ranging from $500 to $10,000 for homeowners policies.

Some companies may even offer a percentage deductible from 0.5% t...

The main factor that determines your dwelling coverage is your home replacement cost.

Home replacement cost is the total estimated cost including labor and material to rebuild your home back to its original condition prior to a claim.

There are several main factors used to determine home replac...

Coverage Limits and Deductibles

Dwelling coverage is the main coverage that determines your homeowners insurance coverage limits. It is also the baseline that is used to determine coverage limits of other coverages such as personal property and loss of use.

For example if you have dwelling cove...

What affects the price of homeowners insurance premium?

Insurance options:

Coverages - Depending on your choice of coverage limits on your dwelling, other structures, and other available coverage options such as liability coverage, your insurance premium will adjust accordingly. The higher the ...

What affects homeowners insurance premiums?

Characteristics of your home.

Replacement cost - It is the estimated cost to repair or rebuild your home based on several characteristics of your home, such as roof composition, floor covering, etc.

Home system upgrades - If you have upgrades such a...

What affects homeowners insurance premiums?

Personal information.

Marital status - In general, a married couple has a lower rate than non-married individuals.

Insurance score - It is a metric that insurance companies use to assess individual insurance risk based on the consumer report of a cu...