Condominium Unit Owners – What Insurance Do YOU Need?



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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Condominium Unit Owners: What Does Your Association Provide You?

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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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What if I lose my wedding ring?



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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Mandatory Motorcycle Insurance in Washington



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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Sunny Day Fun Cars – Insurance for your Collector Car



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 home insurance cover my home based business?



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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DMEPOS Medicare Bond – Change in Requirements



DMEPOS Medicare Bond Requirement Changes The Center for Medicare and Medicaid Services (CMS) sent notice regarding bond requirement changes.  Durable medical equipment, prosthetics, orthotics and supplies (DMEPOS) supplies will receive letters in January of 2019 announcing dentists are no longer exempt.  Dentists will be required to purchase DMEPOS medicare bonds. Guide Insurance Services Can Help […]

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Do I Need Renters Insurance?



Do you need renters insurance? You rent your place of residence.  You need renters insurance.  If it’s a home, apartment, condominium or yurt, if you rent it, renters insurance is designed with you in mind.   Policies provide coverage for your furniture, clothing, electronics and more.  It provides personal liability to protect you if a guest […]

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