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What is Broad Form Insurance?

Most people have never heard about Broad Form Coverage before, unless they work in the insurance industry. Washington State is one of the few states that allows this type of policy. What’s different about it you ask? Let us tell you a little more…

Most auto insurance policies cover damages for a specific car.  Broad Form Named Operator Coverage actual provides insurance on a specific driver, not a car.  This type of insurance is great because you pay the same amount of money wether you have no car or ten cars, you will be covered under your drivers license.

Broad form named operator coverage is great for employees, executives or other people who drive “company” cars, or who don’t own a vehicle.

Read more about BROAD FORM INSURANCE on our website, or call an expert auto insurance agent today!

Motorcycle Insurance

Zipping along on the open road is a feeling that is hard to match. Most motorcycle riders know the joy that can come from riding on a nice day, but there’s always that uneasy feeling that something could go wrong. Having a good motorcycle insurance policy can help you feel at ease on the road.

Vern Fonk offers many different options for motorcycle insurance. Our policies can help protect the rider AND the bike from the unknown. Clients can customize their motorcycle insurance policy to fit their protection needs.

Liability insurance on your motorcycle isn’t required, but it is a good idea to consider getting it, especially if you have other assets or a home. Check out our motorcycle page on our website to see the required state minimum requirements.

We can get you a fast free quote on motorcycle insurance in Washington or Oregon. If you need coverage for your motorcycle, scooter, moped, trike or motocross bike check us out.

About Flood Insurance

Most homeowner’s insurance policies do not cover flood insurance. That seems pretty crazy especially here in Washington and Oregon. Additional flood insurance is sometimes required to be purchased by your mortgage company, depending on what “zone” you live in.

If a flood hits your home, and you are without flood insurance, the damage can easily cost you thousands of dollars. If you’re home isn’t classified “at risk” for a flood, you’re not out of the clear, floods can happen just about anywhere. Flash floods, high levels of snow melt and storms can come out of no where, and it’s best to be prepared.

The definition of a flood from the Federal Emergency Management Agency is “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: Overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”

If you have questions about flood insurance, or if you’d like a fast free quote, call a Vern Fonk Insurance office today!

Is Renter’s Insurance Worth It?

If you’re a renter in Washington or Oregon, you need a good renter’s insurance policy.  Renter’s insurance seems to be something that every renter thinks about, but procrastinates getting it until it is too late.

If you add up all of the belongings in your home, whether it’s an apartment, condo, townhome or house, the total can easily reach in the thousands. Electronics, jewelry, furniture, appliances, and everything else can be extremely expensive to replace, especially if a lot of it needs to be done all at once.

Think about it – how much are your computer, television, couch, jewelry, clothes or other valuables actually worth? Spending only a few bucks a month to cover these possessions is a wise thing to do.

What does rental insurance cover? We’ve broken down the main instances/situations that most rental insurance companies will cover:

  • Explosions
  • Fire or Lighting damage
  • Aircraft and vehicles
  • Heavy snow, ice or sleet
  • Theft
  • Windstorm / hail
  • Falling objects
  • Vandalism
  • Malicious mischief
  • Water discharge from plumbing and appliances
  • Frozen plumbing

Theft and vandalism is more likely to happen in apartment buildings and townhomes than in regular single family households. If you live in a highly populated area, it is a good idea to get covered for theft.

Call a Vern Fonk Insurance agency near you today to get a great renter’s insurance policy that can help you have peace of mind throughout your days in the Pacific Northwest.