Homeowners Basics An essential step in purchasing a home is getting homeowner’s insurance. However, understanding terms like Insurance to Value, Replacement Cost, Extended Replacement Coverage and Market Value may seem like a tough feat. If you want simple explanations to these important insurance terms, you are in the right place! Replacement Cost Replacement Cost: Coverage […]
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Simplifying Insurance for the Small Business Owner One thing we know about small business owners is they are not afraid of hard work. You are the people who have taken a hobby or an idea and built a business from the ground up. The details and administrative tasks of being a small business owner can […]
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WHAT DO CОNDО ОWNЕRЅ NЕЕD TО KNОW АBОUT INSURANCE? Mаnу іndіvіduаlѕ dіѕсоvеr thе nееd fоr соndо іnѕurаnсе whеn іt іѕ too lаtе. Nоt аll соndоmіnіum аѕѕосіаtіоnѕ аdеԛuаtеlу соvеr a numbеr of problems thаt mау occur іn your hоmе. Thеrе are a few thіngѕ thаt every individual who owns a соndоmіnіum ѕhоuld know tо аvоіd disaster […]
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Important Information for Condominium Associations When discussing condominium insurance, there are two general categories. The first is for the individual owner’s unit insurance, either a residential unit or a commercial unit (such as, the restaurant in the building on the ground floor). An individual unit owner’s insurance will generally cover the contents and helps pay for repairs to the unit and replaces belongings if they are stolen or are damaged by specific perils, such as fire […]
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Who Owns Your Vehicle? Your vehicle registration is an important part of your insurance policy. When the registration does not match the owner of the insurance policy, coverage will not be provided. At least not in the way you think it will. Common situations our agents see: Children purchase a vehicle and are listed as […]
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Is your homeowners insurance policy enough? Homeowners and Renters policies provide coverage for personal property. These items are covered for losses caused by all the perils listed on your policy such as fire, windstorm, theft and vandalism. However there are special dollar limits for certain collectible items for specific perils. For example, there may be […]
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What you need to know when renting a car Our agents are frequently asked how insurance applies to rental cars. Most often we are asked, “Do I need to buy the rental car insurance?”. The only person who can answer that question is you. It depends on the level of risk you are comfortable with. […]
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It’s Official.. Washington Motorcycle Insurance Required The Washington State Legislature passed a new law requiring all motorcycle drivers carry proof of liability insurance. Motorcycles are no longer exempt from the mandatory auto insurance law. This change takes effect July 28, 2019. Exceptions to the law Motorcycles licensed for road use will be required to carry […]
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Collector Car Insurance When your hobbies include restoring, or simply enjoying, classic cars, spring’s sunny weather brings a special level of JOY. As dust covers are removed, batteries are hooked up and tunes up are completed just watch as the smiles grow. Before you take your special “sunny day fun car” for it’s first run […]
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Does my homeowners insurance cover my home based business? Good question! As with many insurance questions the answer is yes, and no. There are several things to consider when starting a business from home. Business property At your home Property purchased by your business has very limited coverage on your personal homeowners policy. Property used […]
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