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Summer Homeowner’s Insurance

summerWith summer coming up in just a few weeks, we’ve put together a list of the main reasons why having a good homeowner’s insurance policy in the summer is important:

Summer Wild Fires

Fire can happen no matter where you live, and when it does it can spread quickly and cause hundreds of thousands of dollars worth of damage. Obviously in summer the risk for fire is much higher than in the other seasons, and depending on how the weather is this year we could see a dramatic increase in wild fire outbreaks in our area. Having a good homeowner’s insurance policy to cover you incase of a fire outbreak is extremely important, especially in the summer.

Bodily Injury

As the sun starts to come out it usually means that people start spending time out doors and becoming more adventurous. The kids are out of school and busy playing outside in the backyard. Liability claims raise significantly in the summer time just because people have more time to go outside and and try new things. Make sure you have liability coverage on your home insurance policy to cover you if someone were to get hurt at your home.

Theft

Summer time is usually vacation time. This means that it also is typically the “high” season for theft. Thieves target homes when they look like the occupants are on vacation. Make sure you have enough theft protection on your homeowner’s insurance policy to cover your most precious belongings if someone were to break in to your house and steal them.

Summer Storms

Summer storms produce more lighting that winter storms typically do. Lighting can easily start fires and damage properties as quickly as they strike. If your home is in an area prone to lighting, consider installing a lightning rod to take the blow for any strikes and go over your home owners insurance policy with a qualified agent to be sure you’d be covered if a fire were to break out.

Road Trippin

If you’re like most Americans, money is a little tight for you right now, and with summer just around the corner, your options for vacations can seem quite slim. That’s where the old American classic road trip comes in. A fairly cheap and fun solution to escaping from your daily routine.

We’ve broken down some of the most beautiful and exciting roads to drive in the United States:

The Cascade Loop – Washington (Cascade mountains)

Starting only 28 miles outside (north) of the city of Seattle, this scenic drive has got everything a seasoned road tripper or motorcyclist could want. It goes through the Cascade mountains, along the large Columbia River, over to Eastern Washington and Lake Chelan, through Methow Valley, and circles back to Seattle through the Puget Sound. This loop takes you through classic towns and by some of the greatest land marks the state has to offer.

Highway 1 – California (Big Sur)

California’s SR1 (State Route 1) is a breathtakingly beautiful highway that follows the Pacific coastline of the state. This route twists and turns following some of the most beautiful coastlines the United States has to offer. You’ll see amazing cliffs over looking the Pacific ocean as well as some amazing beaches and wildlife. There are many parks and towns along this drive where you can stop for a picnic, camp or find a hotel.

White Rim Road – Utah (Canyonlands National Park)

This amazing 100 mile road is an excellent trip for people who own SUVs or who love to mountain bike. This 2-3 day trip has gorgeous views of the beautiful deserted red rock and mesa top. There are steep sections where 4x4s are required and the switchbacks provide an exhilarating experience for off roaders.

Seven Mile Bridge – Florida (Florida Keys)

This famous 7 mile bridge in Monroe County connects Knight’s Key to the Lower Keys, along with other beautiful islands in southern Florida. When it was built, it was one of the world’s longest bridges ever built. With breath taking views of the ocean and white sand beaches, it almost makes you feel as you are out to sea while driving on it.

Denali Highway – Alaska

This hidden gem is one of the most scenic routes in all of the United States, yet it is one of the most lightly traveled. It is a 135 mile gravel highway way up in Alaska that was the first road that gave access to Denali National Park (hence the name). The views of huge snow capped mountains along with beautiful rolling, un touched meadows and forests are a must-see.

So what are you waiting for? Grab your kids, pack a lunch and get driving. As always, drive safely and make sure you have a great auto insurance policy to cover you, your loved ones, and your car or motorcycle in case of an accident or extreme weather. Drive the speed limit and remember to buckle up, and always have proof of car insurance in your vehicle at all times.

Business Insurance

We know your small or large business means the world to you. Why not take the proper steps to protect something so important to you?

Business owners face extreme challenges every day as the market fluctuates and trends go up and down. Protecting your business with a good commercial insurance policy is extremely important in these challenging times.

Business insurance policies can vary quite a bit from one to another. Most well rounded business policies integrate both property insurance and general liability insurance.

Stay tuned for more blog posts about different coverages in business insurance policies!

Remember, our experienced Business insurance agents in Washington and Oregon are standing by to help answer any questions you may have regarding commercial insurance.

Graduation – Car Insurance

graduationCongratulations! You’ve graduated High School!  Time to leave the nest and fly out there on your own.  You’ve been preparing for this moment you’re whole life.  As you get out there, bills start piling up and you start to wonder why you ever wanted to leave in the first place!  You had it good!

We’ve put together a few tips for how you can save money on car insurance now that you’re out there in the real world.

#1. Location, Location, Location

Did you know that your address can directly effect your car insurance costs?  Insurance companies determine their base insurance premiums off of the volume of traffic, crime and population density of the area where you live.  If you have a choice, check with your insurance agent to see where the cheaper zip codes are to live before you make your choice.

#2. Control Your Spending

Many young graduates find themselves in debt quite quickly after graduation from high school.  Figure out how much money you have to spend every month and budget everything wisely.  Make your payments first (car payment, insurance, rent, etc.) before you spend money on the less important things.

#3. Choose Your Car Wisely

Everyone wants a cool car, especially after high school.  Remember that most of the people your age will have less than desireable cars, and that it will be okay if you hold on to that family junker for a few more years.  Resist the temptation to go out and buy a luxury car, and if you choose to buy it, remember that it comes with other costs (insurance, repairs, maintenance) and set aside money to be able to pay for it. If you need a new car, shop around and read reviews, understand how much you are willing to spend and how much you can afford before you make any impulsive decisions.

 

Different Types of Insurance Policy Coverage

If you’re looking for a new car insurance quote sometimes all of the insurance lingo can get confusing.  We’ve broken down the major types of insurance coverages to help you understand your policy a little bit more:

Bodily Injury Liability

This type of car insurance coverage protects you in the case of a car accident where you cause an accident and have injured someone else.  You, as the policy holder, are typically required to hold a minimum amount of coverage depending on where you live and if you own your car or not.  You would be responsible for any medical costs that came along with the accident.  Medical bills from car accident injuries can add up super fast, so it is important to have adequate coverage.

Personal Injury Liability

Personal Injury coverage, aka PIP, covers medical expenses whether or not you are at fault in the accident.  It covers medical expenses and sometimes other damages and lost wages.  Personal Injury coverage is sometimes required by law to have, and it’s an  important part of a well rounded auto insurance policy. At this time Washington and Oregon require PIP for every driver.

Property Damage Liability Coverage

This type of insurance covers the costs of damages to a car and/or items in the other car involved if they are damaged and you are at fault.  Property Damage coverage also covers items that you may have hit (for example, a mailbox or post) and damaged. The coverage not only covers the costs of the new parts needed for repairs but also the cost of labor.  This is one of the most important parts of a good insurance policy as almost all accidents end up with property damage of some kind.