Auto
Insurance Quote

Have Tickets?
Accidents?
Vern Fonk Can Help!

Home
Insurance Quote

Protect Your Most
Valuable Investment!

Commercial
Insurance Quote

Make Sure Your Business
Is Protected Today!

SR22
Insurance Quote

High-Risk Driver?
SAME DAY SR22 FILINGS!

Broad Form
Insurance Quote

Insure Your License,
Not Your Car!

Car Thefts in Washington

Any vehicle is subject to some degree of being vulnerable to theft, but most thieves will steal makes and models that they are familiar with and that are the easiest to steal.

Owners of certain models (and years) of cars may have a higher chance of not finding their car parked in the same spot they left it in. Car jackings in the last few years have been on the rise.

The most commonly stolen vehicles in Washington state are:

  • 1992 Honda Accord
  • 1995 and 1998 Honda Civic
  • 1995 Acura Integra
  • 2006 Ford Pickup
  • 1990 and 1991 Toyota Camry
  • 1996 Subaru Legacy

If you own one of these vehicles you can take extra measures to make sure your car won’t get stolen. You can instal anti-theft devices, alarms and tracking devices. Not only will these help deter thieves, you may also qualify for a discount on your car insurance too!

Know Your Coverages

Do you know what your car insurance policy actually covers? What is insured and what is not? It’s important to understand the coverage types are available and what you’re paying for.

Here is a brief description of some of the major coverages and what they’re all about:

Property Damage Liability - This coverage type covers claims for property that your vehicle damages in a accident. This type of coverage is required in almost every US state.

Comprehensive - This coverage type covers physical damage done to your vehicle from fire, vandalism, theft, wind, flood, and other accidents not resulting from a car crash.

Collision - This coverage type covers physical damage done to your vehicle from a car accident.

Bodily Injury Liability - This coverage type covers medical and legal costs if your car injures or kills someone.

Uninsured Motorist Protection - This coverage types helps cover you if the person at fault in the accident is uninsured or under insured. This can also help pay for damage due to a hit-and-run.

These are the most basic types of coverage and most policies include all of them, but at different amounts. Make sure you go over your policy with a professional that can help you determine if you’ll be covered in an accident or disaster.

Insurance for your Motorcycle

Motorcycle Insurance in Washington and OregonThe sun is out and it’s time to dust off the bike and feel the wind in your hair again (if you still have any left). Before you take the old hog in for it’s summer tune up, look over your motorcycle insurance plan coverage and make sure you’ve got the necessary coverage to keep yourself, your motorcycle and other drivers safe.

Finding the right insurance policy for your motorcycle is important. Your policy should fit your bike, your lifestyle and your budget. Most states in the US require a minimum amount of liability coverage for motorcycles, but the other types of coverages can be optional. It’s important to ask you insurance agent which coverages are optional and which are required to make sure you are legal.

When you’re shopping for the right motorcycle insurance for you, it’s important to understand what you’re paying for.

Motorcycle insurance Collision coverage insurance covers the damages to your motorcycle if you were to be involved in an accident. After you pay your deductible, your insurance company will pay for the rest of the repairs.

Liability coverage insurance is what covers bodily injury and any property damage that you were responsible for in a motorcycle accident. This type of coverage doesn’t cover your motorcycle or yourself.

Comprehensive coverage insurance will cover the damages caused by things other than an collision. For example – vandalism, theft, or fire. You’ll have to pay your deductible before your insurance company picks up the rest of the bill.

You may be able to save money on your motorcycle insurance plan if you take certain safety courses. If you have more than one motorcycle you can also bundle those policies to save money. Keeping a clean driving record will also help keep your insurance premiums down.

Vern Fonk in Washington and Oregon specializes in motorcycle insurance for everyone! Our agents are experienced in finding the best and cheapest policies for all types of drivers. Call us today!

Renter’s Insurance – Help When You Need It

rentersIf you are renting a home, condo, apartment or townhome you should have a good renter’s insurance policy. Many people don’t really realize how much “stuff” they have and what it’s worth until it’s gone. If you’re considering renters insurance ask yourself this question – would I be able to afford to replace all of my belongings at a moment’s notice? If you answered no to this question (as most people would), you NEED a good insurance policy.

If someone were to break in and steal your stuff, or if your home was damaged in a fire and belongings were destroyed it could be devastating. A good renter’s insurance policy can help replace these items in certain situations. Your computer, jewelry, television, electronics, furniture and art can be very expensive to replace. To replace them all at once could cost thousands of dollars. Renter’s insurance policies are typically very cheap, only costing a few dollars a month. It’s worth it to cover yourself for the future.

Situations that Rental Insurance Can Cover:

  • Lighting strikes (fire)
  • Fire
  • Snow damage (from the weight)
  • Explosions (such as gas leaks)
  • Damage caused by vehicle or aircraft
  • Smoke damage
  • Hail and windstorm damage
  • Theft/Vandalisim or malicious mischeif
  • Damage from Riots or civil commotion
  • Falling objects (trees, meteors, etc.)
  • Water damage from plumbing, heating or cooling systems

When shopping around for renter’s insurance make sure you check what your policy will cover and what it will NOT cover. Your agent will help you figure out what policy will work best for your living situation and your budget.

If you rent you should have a good insurance policy. Just as home owner’s need homeowner’s insurance to protect their investment, you need to protect yourself from unforeseen disasters.

Call a Vern Fonk Agent today or stop on by one of our stores to get a policy that works for your living situation and your budget.

Love is in the Air

Two-red-heartsIt’s Valentines Day! Today is the most popular day for engagements. More rings are purchased in December through February than any other time of the year. 1 out of 4 grooms pop the question within these months and women throughout the country are flaunting their sparkly hands with pride.

After you’ve called all your friends, and made that ever important Facebook post, it’s time to call and get that rock insured!  Wedding rings, for many, are an expensive investment that a couple has saved up for to purchase. Losing the ring can be extremely sad and can be difficult to replace.

Many standard homeowner’s insurance policies cover jewelry, but most have strict limits.  It isn’t uncommon for a limit on jewelry to be around $1000, well below what most rings cost. It is important to call your agent to see what your current homeowner’s policy or renter’s insurance policy covers and see if they can increase your limits or schedule an endorsement to protect your valuables against theft or fire.

If you have questions about what your homeowner’s insurance policy will cover and what you’ll need to do to get extra coverage, give us a call today and we’ll help you make sure your new exciting, and sparkly investment stays safely covered.

Happy Valentines Day!

valentine24

Ways to Protect Your Car From Theft

Sadly the with the holidays approaching that means that the national theft rate will be on the rise. The theft rate in November and December is much higher than other months of the year. There are some things you can do to deter car thieves and keep your car safely in your possession:

  • Lock it up! This one seems like a no-brainer, but statistics have shown that around 50% of all vehicles stolen were left unlocked. Even if you’re just running in to the store for a gallon of milk, double click your locker just to be sure you car is secure.
  • Stay out of the dark. Park your car in a well lit area, preferably where there are people nearby that could witness the act. Well over 1/2 of car thefts happen after dark.
  • Take your keys with you. Don’t leave your keys in your car. It may seem convenient, but you’re basically just handing over the keys to any thief passing by. Even if you think you’ve hid them in your car, thieves know where to look for them. Just take them with you.
  • Close your windows. Don’t leave your windows open when you leave your car. It doesn’t make much sense to lock your car if your windows are wide open. Someone can just reach in and unlock the car.
  • Use your garage! If you have a car garage, use it! Clean it out and store other items in the rafters or somewhere else. Not only will your car be much more comfortable (warm in the winter, cool in summer), but it will be concealed from thieves.

Most of these tips seem obvious, but you’d be surprised how many drivers don’t follow these simple and effective theft deterring tips. Protect your car today and lock it up! Check your auto insurance policy for what is covered due to vehicle theft, and if necessary get more coverage or better deductibles.

Homeowner’s Holidays

Mule Deer in SnowThe holidays are supposed to be the happiest time of the year.  Unfortunately, for many homeowner’s, their happy time can easily turn into the most stressful time of the year. The number of home accidents and thefts increase drastically in November and December, and many insurance companies have reported that there are at least double to triple the amount of homeowner’s insurance claims during these months.

One of the main reasons for the spike in homeowner’s insurance claims is fire. Fire claims increase around 15% during the holidays.  Fire departments have named candles to be the number 1 reason while these deadly disasters are started.  Christmas trees also cause a huge fire hazard, especially if they’re not cared for correctly. It is extremely important to make sure your tree is watered regularly and that your christmas tree lights aren’t left on for many hours at a time.

Carving Turkey DinnerCooking large family meals is also a main contributor for fire related claims. Many people try out new (and dangerous) cooking techniques, or are distracted with the rest of the holiday preparations when food items in the oven or stove catch fire and spread fast. It is important to realize how much your risk for home fires increases during this time of year, and take extra caution when decorating, cooking and preparing for the upcoming holidays.

Unfortunately, theft claims increase by at least 7% during the holiday season as well.  Many thieves find that they can get away stealing more valuables during this time of year because there are simply more things to steal.  Make sure you keep gifts out of sight and close curtains near the christmas tree or living room when you leave to deter any unwanted guests. Make sure you lock your doors and windows, and if possible, install a security alarm system or motion detector lights around the perimeter of your home.

As you can see, the holidays can bring on more stress than you thought possible. If you are prepared, however, you can rest assure that your family, friends and home will be safe.  As always, look over your homeowner’s insurance policy before the holidays start up to make sure you’d be covered if one of these unforeseen disasters were to take place.

Renter’s Insurance

for-rentIf you are renting a place, there area many reasons why getting a renter’s insurance policy is a good idea. Renter’s insurance can help you in so many different ways. Having a good policy can help you sleep better at night as your belongings are securely protected.

Renter’s insurance protects the cost of replacement or repair to your possessions if they are stolen or damaged. If your landlord says that their insurance will cover it, you may want to look a little deeper into their policy as it is very common for renter to have to purchase their own rental insurance policy to make sure everything is covered.

These policies can help you replace items if they were to be damaged in fire, natural disaster or stolen. One renter’s insurance policy can sometimes cover more than one renter. This is convenient if you have roommates or a spouse as it can help cover their belongings too.

Renter’s insurance is a fairly cheap insurance policy to get. Replacing large appliances, electronics, jewelry, and furniture can get really expensive while a typical renter’s insurance policy only costs about the same amount as a pizza each month.

If you are considering purchasing a renter’s insurance policy, talk to an insurance agent who knows what to do! Our Vern Fonk insurance agents in Washington and Oregon can help you find a renter’s insurance policy that meets all your needs. They can help you fill out a home inventory to help you get a value on all your belongings and they can show you how to fill out all the necessary documents and procedures.

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.

Comprehensive Auto Insurance: What is Covered?

carred

When looking for the right auto insurance, you have many options.  Policies can come with liability coverage, collision coverage, comprehensive coverage, and even towing and labor charge coverage.  Many people get confused about what these types of coverages are, and what they mean.  The most commonly misunderstood is comprehensive coverage.

Comprehensive auto insurance coverage is the part of a car insurance policy that covers damage not caused by a collision or upset.  Comprehensive coverage amounts vary from policy to policy and some cover certain situations while others do not. Examples of events that are covered in most comprehensive auto insurance policies are:

  • hailExtreme Weather Conditions: Damage from hail, high winds, and flooding to your vehicle. Comprehensive auto insurance can cover the cost of repairs and labor.
  • Theft: If your car is stolen or vandalized, comprehensive auto insurance can help cover the costs of locating, damage done to the car, or possessions taken from your car from theives.
  • Deer's HeadAnimal Damage: If you were to strike an animal with your car (most commonly, a deer), comprehensive coverage policies can help pay for the damages.
  • Trees or Falling Objects: If an item falls on your car and causes damage, a comprehensive insurance policy can help pay for damages.
  • rockchipRock Chips: Many comprehensive insurance plans cover the cost of repairs from a rock chip or can even pay for a full windshield replacement.

As you can see, having a good comprehensive insurance policy can come in handy for unexpected car related problems. Depending on what your deductible is, comprehensive insurance can save you some serious cash if any of the covered situations were to occur.

As always, it is a good idea to go over your current car insurance policy with a licensed and experienced insurance agent to make sure you are fully covered and can drive down the road feeling safe and secure. Ask a Vern Fonk Insurance agent today to help you look at comprehensive auto insurance for your car!