The time has come, you have a child headed to college! There are several things to consider when your child leaves for college: Should they have a car with them? Should you leave them listed as a driver on your auto policy? Do they need a renters policy? Are you still liable for them when […]
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What is a service line? A service line is the utility line (for water, sewer, electricity and natural gas) that runs from your home to the supply lines that are in the street. You may have a gap in coverage. Maintaining and repairing the service lines for your water, sewer, electricity and natural gas […]
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COVID-19’s Impact on Insurance Rates The Washington State Insurance Commissioner passed a law that will go into effect on June 20, 2021 prohibiting insurance carriers from using credit as a factor in their rating structure. This new law may negatively impact rates of clients that have a good credit standing which currently results in lower […]
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Does my auto insurance cover a rental car? When you rent a car as a short-term rental, like for a vacation, the broadest coverage listed on a vehicle on your auto policy will extend to the rental car if you are driving in the USA or Canada. This means if you carry liability coverage only, […]
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Construction Costs Are On the Rise (Rapidly) As many have noticed, in the last year, the cost of building materials has increased exponentially nationwide. Our brokerage has local examples of contractors we work with who are putting expiration dates on bids at this time because they can no longer guarantee what the material costs will […]
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Garage Keepers Insurance In the automotive business where vehicles are sold, serviced, repaired, parked, or stored, there is a unique type of insurance needed to cover the autos left in the care, custody, and control of the business. This insurance is commonly referred to as Garage Keepers. Garage Keepers covers damage to a customer’s automobile […]
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Homeowners Insurance – Liability Coverages Explained Have you ever wondered how the Liability Coverage on your homeowner policy works? Or what Medical Payments would cover? What exactly is Personal Injury? You likely have most if not all of these coverages on your current homeowner policy. So, what exactly are you covered for and how much […]
Read MoreDo you have the coverage you need? A quick calculation of the following items may help you determine a minimum appropriate limit of liability insurance for your current situation. Financial Assets Equity in your home: $______________ Investments: $ ____________________ Savings/Checking Cash on Hand: $ _________________ Future Wages: $____________ Total amount you have at risk = […]
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On our annual SHRED DAY we collect cash and nonperishable food donations to support PROJECT HOPE. MARK YOUR CALENDARS! It is our 6th Annual Shred Day! This is a FREE event, but we will be collecting donations and food items for Project Hope, our local food bank. You may be asking yourself, “why donations instead of food items” and we would love to […]
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Our Guide Insurance Services office in Lynden hosts a “Shred Day” event once a year to gather donations for our local food bank, PROJECT HOPE. In exchange for paper shredding services we ask for donations to PROJECT HOPE. Our Agent, Kristen Oudman, spent some time at PROJECT HOPE today to gather some quick facts and […]
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