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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Insurance for your STUFF – Household Personal Property



You Bought a House! You’ve purchased a home. (YEAH) You met with your agent and calculated the estimated replacement cost for your hew investment and you’ve requested an insurance policy (because it’s a requirement of your loan).  So, what are getting for your hard earned money? What does your home insurance policy give you? Most […]

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Shake, Rattle and Roll – Earthquake Insurance



Washington State Earthquake Activity What’s your risk? If you own a home in Washington State there is a risk your valuable investment may sustain damage due to an earthquake.  According to the Department of Natural Resources, Washington has the 2nd highest risk in the US for having a large and damaging earthquake event.  Click HERE […]

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What is Ordinance or Law Coverage?



Ordinance or Law What is it? Most Counties and Cities have building ordinances and laws pertaining to new construction and repair of damaged structures. What does that mean for me? In the event of a loss to your home, local ordinances and laws cause some of the following issues ; Required tear down of the […]

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How much coverage do I need on my home?



Home Coverage Limits Determining the proper limit of insurance coverage for your home is very important.  You’ve made a valuable investment and your hard earned money will be used to pay the annual premiums.  If you suffer a loss, you want to know you are properly covered.  But how do you know what is enough? […]

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