AYAO Insurance is an insurance company that operates in Kirkland. It provides homeowners' coverage for unexpected property damage and subsequent repair and replacement costs. This covers the house itself and other areas like the backyard, roof, and chimneys. The company determines each client's coverage limit by looking into the property's features like its age, square feet, and the number of rooms. It also reimburses any damage to the personal belongings of owners like sports equipment, clothes, and electronic devices.