Author: admin

Are Customized Snowmobiles and ATVs Covered by Standard Policies?

Posted on by admin
We insure your ATV, Snowmobile and motorcycle at Wenatchee Insurance

When you purchase insurance for your ATV or snowmobile, you expect it to cover your vehicle. But there are always exceptions and exclusions in insurance policies. Doing your due diligence when seeking out insurance for snowmobiles and ATVs is of the utmost importance. For example, if you have a customized ATV or snowmobile, is it going to be covered by the basic insurance policy you plan on purchasing? Here’s what you need to know about the limits of standard insurance policies for snowmobiles and ATVs, and how the team here at Wenatchee Insurance Agency, serving Wenatchee, WA, can help you get the coverage you need. 

Will a Standard Policy Cover Customized Snowmobiles and ATVs?

As is the case with most standard policies designed to cover various types of recreational and traditional vehicles, your standard policy isn’t going to offer the comprehensive coverage needed for customized snowmobiles or ATVs. This is because insurance is traditionally designed to cover the full value of the vehicle itself, not any aftermarket modifications that may bump up the value significantly. That being said, you don’t have to go without coverage or go without customizing your vehicle. Many insurance policy providers for snowmobiles and ATVs will offer policy add-ons so you can get the extra coverage you need for any modifications you make. Just remember to update your insurance company with these changes as they take place to avoid claim denials in the future. 

Not all all snowmobiles are the same especially in North Central Washington. We have events like Snowfest in Leavenworth where we can meet other powersport fans.  Or heading up the Methow and experiencing the trails around Winthrop. If you are dropping in a new can for a more aggressive sound or fine tuning your suspension to reduce body roll then you want those new parts covered. 

Cover Your Snowmobile or ATV With Wenatchee Insurance Agency

Whether your snowmobile or ATV is modified or not, you can rely on us at Wenatchee Insurance Agency, serving Wenatchee, WA, to find the appropriate insurance policy for you. Start now, and compare quotes with us!

 

 

talk to Shayla
insurance bundle Wenatchee insurance
Read More

Prepping Your Home for Storms: What to Do When a Flood is Likely

Posted on by admin
Flood Insurance Washington

Floods can develop quickly and cause severe damage to your property. Taking proactive steps before and during a storm can help protect your home, belongings, and family. Here’s how to prepare when flooding is expected.

Safeguard Important Documents

Store essential items, such as insurance policies, IDs, medical records, and financial paperwork, in waterproof containers. Additionally, save digital copies on a secure cloud service to ensure you can access them even if the originals are damaged or lost.

Protect Your Property

Move furniture, electronics, and valuables to higher floors whenever possible. Elevate appliances and utilities such as HVAC systems, water heaters, and electrical panels to minimize the risk of costly flood damage. Use sandbags or flood barriers around doors and low entry points to help keep water out.

Prepare an Emergency Kit

Pack essentials such as bottled water, non-perishable food, medications, flashlights, batteries, and first-aid supplies. Having a kit ready ensures your family can stay safe and comfortable if you lose power or need to evacuate quickly.

Plan for Evacuation

Familiarize yourself with local evacuation routes and create a plan for pets, family members, and vehicles. Fill your car with gas ahead of time and keep emergency contact information easily accessible.

Review Your Insurance Coverage

Standard homeowners’ policies typically don’t cover flood damage. If you live in a flood-prone area, flood insurance is essential. Reviewing your policy before a storm strikes ensures you have the right protection in place when you need it most.

At Wenatchee Insurance Agency, We’re Proud to Serve Wenatchee, WA

Flood insurance can provide the security you need to feel confident that your home is protected. At Wenatchee Insurance Agency, we’re here to help you find the insurance products that make sense for your needs. Contact us today to learn more.

 

appointment
Insurance Bundle
Read More

Health Insurance and Your Privacy Rights

Posted on by admin
Privacy is important to Matt and Suzie at Wenatchee Insurance

Maintaining your health can be a challenge, and paying for healthcare costs can make that challenge even harder. If you don’t get health insurance through your job, purchasing private health insurance can make a big difference to your budget. Privacy plays an important role. If you are in the Wenatchee, WA area, our team at Wenatchee Insurance Agency would like the opportunity to explain the benefits of health insurance.

Health Insurance and Your Privacy Rights

Today’s increases in technology use have brought many advantages, but they have also created opportunities for unauthorized access to personal information. Your health status and healthcare information are very personal. When you visit a healthcare provider, you don’t want to worry about whether your diagnosis, treatment, and medication information will be shared with anyone except the companies that need that information to work with you.

According to the Washington Office of the Insurance Commissioner, you have a right to privacy when it comes to your healthcare information. This means that your personal information can be shared only with sources that need to provide service to you. The same website assures you that you can have sole access to your healthcare information. Privacy is especially important for clients under the age of 18 who are legally entitled to consent to healthcare procedures, including procedures related to their reproductive rights.

Call Us for an Appointment Today

You never know when you’ll need an emergency medical procedure. Our team at Wenatchee Insurance Agency can help you find a policy that fits your needs and budget. Clients in the Wenatchee, WA area have discovered that our team is knowledgeable and provides consistently excellent customer service. Call us for an appointment today, and let’s work together to find the right insurance policy for you.

 

 

appointment with Suzie

Please note during the Fall Enrollment Periods.

Medicare Annual Enrollment Period is October 15 through December 7.

Healthcare Open Enrollment Period is November 1 through December 15 (for plans starting January 1).

There are only so many hours in the day. Please select an appointment as early as possible or give us a call.

Read More

How Term Life Insurance Works

Posted on by admin
term life insurance is important

Term life insurance is one of the most popular types of life insurance. It works very differently from another type called whole life insurance and comes with its own advantages and disadvantages. Many people choose this type of insurance to protect their loved ones after they pass away. However, term life may not be right for everyone interested in life insurance. Some people prefer the benefits of whole life policies, while others find that term life better suits their needs. To learn more about term life insurance, contact Wenatchee Insurance Agency in Wenatchee, WA.

A Set Period

Term life insurance gets its name from the set term of time during which the policy remains active. These policies have a specific expiration date, which can range from 10 to 25 years, among other options. Once that term has passed and the policyholder is still alive, the policy expires. At that point, the policyholder would need to purchase a new policy to maintain coverage. The trade-off is that term life policies are highly budget-friendly and more affordable for many people who may not be able to afford a whole life policy.

The Death Benefit

Term life insurance functions similarly to other types of life insurance, as it pays a death benefit to beneficiaries upon the policyholder’s passing. This is the primary purpose of life insurance, as it provides financial support for loved ones left behind. The amount of the death benefit is determined at the time the policy is written. Generally, higher coverage amounts are accompanied by higher premiums.

Get Life Insurance in Wenatchee

If you don’t have life insurance, now is the time to get a policy to protect your loved ones. To get started with a policy of your own, contact Wenatchee Insurance Agency in Wenatchee, WA today.

fast life insurance quote
insurance bundle Wenatchee insurance

Read More

What Does No-fault or PIP Mean in Insurance Terms?

Posted on by admin
local car insurance wenatchee PIP No-fault

The term “no-fault” in auto insurance can be confusing, especially if you’ve never had to file a claim. While it might sound like it removes responsibility, that’s not entirely accurate. Instead, no-fault insurance refers to how claims are handled after an accident, specifically, how medical bills and related expenses are paid, regardless of who caused the crash. Here’s an explanation from your insurance representative at Wenatchee Insurance Agency, serving Wenatchee, WA.

How No-Fault Insurance Works

In states that follow a no-fault system, each driver’s insurance policy covers their own policyholder’s medical expenses after an accident, up to a certain limit. This happens regardless of who was at fault. The primary goal of no-fault insurance is to reduce lawsuits related to minor accidents and ensure injured drivers receive treatment quickly.

Washington is not a traditional no-fault state, but drivers here have the option to add Personal Injury Protection (PIP) coverage to their policies. PIP functions similarly to no-fault insurance, covering medical expenses, lost wages, and essential services without waiting for a liability determination.

What No-Fault Insurance Does Not Cover

No-fault insurance does not cover damage to your vehicle or someone else’s property. These types of claims still require determining fault, with the at-fault driver’s liability coverage typically paying for repairs. Additionally, in serious accidents involving significant injuries, lawsuits may still be permitted—even in no-fault states—if damages exceed policy thresholds.

Know Your Options in Washington

Since no-fault insurance is optional in Washington, it’s important to review your policy and understand the level of protection you have. Adding PIP coverage can provide an extra layer of financial support if you’re injured, even if the other driver is uninsured. Your experienced local agent at Wenatchee Insurance Agency, serving Wenatchee, WA, can help you determine if this coverage is right for you. Contact us today to learn more.

get a quote
Insurance Bundle
Read More

Someone Injured in Your Place of Business? Commercial Insurance to the Rescue!

Posted on by admin

 

business insurance
Commercial Insurance can make a difference

 

Accidents happen. The rain falls, the wind blows, ice forms unexpectedly, or someone simply trips over their own feet. Regardless of the cause, someone was injured on your business premises, and they want you to cover their medical expenses. As a business owner, you have a “duty of care,” meaning you have a responsibility to ensure there is nothing on your property that could harm a potential customer. But as the saying goes, “stuff happens.” Fortunately, this is why you have Commercial Insurance.

Commercial Insurance is important

What to Do if Someone Is Injured on Your Property

First and foremost, you must attend to the customer’s well-being. Call 911, describe the incident, follow the operator’s instructions, and wait for the paramedics to arrive. Even if you’re unsure, it’s better to call an ambulance. Apply necessary first aid. If the customer refuses an ambulance or the injuries aren’t serious, at least provide them a quiet place to rest and offer ice or a glass of water. Then, you must address the hazard. Block it off if necessary. Document the scene with pictures before you alter anything. Do not admit or imply anyone is to blame. Complete an incident report with the time and date of the accident. Collect statements from witnesses and the injured customer. Save any surveillance footage you may have. Once all of this is covered, you should contact your insurer as soon as possible.

Many types of Commercial Insurance

Commercial Insurance has been more than basic liability for years. Sometimes you need a business owners’ policy that can cover employee theft. Sometimes you need liquor liability, a bond, commercial auto, insuring your equipment on the job site for theft or completed goods. We like to have conversations so that if there is a claim that you understand your coverages better before you need them.

Contact Wenatchee Insurance Agency in Wenatchee, WA

If you are in the Wenatchee, WA area and need commercial insurance, please contact Wenatchee Insurance Agency. We’re here to help.

 

talk with Shayla
Insurance Bundle
Read More

Weatherproofing Tips That Could Save Your Home from Damage

Posted on by admin
weatherproofing

When the seasons change, your home becomes the frontline defense against whatever Mother Nature has in store. From heavy rain and snow to high winds and sudden temperature drops, your property is constantly exposed to the elements. At Wenatchee Insurance Agency, serving the greater Wenatchee, WA area, we’ve observed how a few smart weatherproofing steps can prevent major headaches—and costly insurance claims—in the future.

Begin with Your Roof and Gutters

Your roof bears the brunt of most weather events, so maintaining it in good condition is crucial. Allocate time to inspect for loose or missing shingles and check the flashing around chimneys or vents. Clogged gutters might not seem like a significant issue, but when water backs up, it can damage your roof, siding, and even your foundation.

Seal the Gaps Before the Cold Sets In

Tiny gaps around windows and doors can let in cold air, moisture, and even pests. Weather stripping and caulk are inexpensive solutions that make a big difference. Not only do they help protect your home, but they also improve energy efficiency—something your heating bill will appreciate.

Don’t Overlook the Basement and Pipes

Basements are particularly susceptible to water intrusion, so ensure yours is properly sealed. During colder months, insulating your pipes can prevent them from freezing and bursting, which is one of the most common causes of winter home damage.

A Little Preparation Goes a Long Way

Protecting your home doesn’t have to be overwhelming. Small, proactive steps can make a huge difference. At Wenatchee Insurance Agency, proudly serving the community of Wenatchee, WA, we’re here to help you safeguard what matters most. Reach out today to discuss your home insurance options and how to weatherproof with confidence.

 

 

Home Health Medicare Car Dental Prescription insurance corndog

Read More

Renters Insurance After a Disaster: Getting Back on Your Feet

Posted on by admin
Renters Insurance

Washington State experiences diverse weather conditions throughout the year, ranging from thunderstorms and tornadoes to earthquakes and wildfires. Renters in Wenatchee, WA, must equip themselves with protection against these disasters. Renters insurance is the sole insurance protection for tenants, but it comes with certain limitations.

Does Renters Insurance Cover Natural Disasters?

The coverage depends on the type of natural disaster and the damage it inflicts. Renters’ insurance provides coverage for belongings and injuries within the rental space. It also offers temporary housing if the rental area is damaged. However, it does not cover structural damage to the rental area; that’s the landlord’s responsibility. It also doesn’t cover vehicle damage; your auto insurance covers that.

Renters insurance from Wenatchee Insurance Agency covers most natural disasters, but not all. These include:

  • Hail storms
  • Tornadoes
  • Cyclones
  • Wildfires
  • Blizzards
  • Fire and smoke
  • Lightning strike
  • Ceiling collapse

Renters insurance doesn’t cover floods, earthquakes, mudslides, landslides, and sinkholes. You need separate flood insurance for floods and earthquake insurance for earthquakes. Add-on riders may be available for the others.

Claiming Renters Insurance Compensation

Wenatchee Insurance Agency simplifies the process of filing a renters insurance claim. However, we require your photos, videos, and documentation of injuries, belongings, and property damage. Injuries indicate the amount you need in liability, personal belongings damage shows the amount you need to replace those items, and property damage suggests how much you need for temporary housing.

One of our adjusters will survey the area with you and document injuries, property damage, and damaged belongings. Then, find temporary housing and keep track of receipts. Also, keep track of medical bills for injuries and other important information. We will meet again to discuss and exchange the additional documentation. After verification, we send you a check for everything.

Damage after a natural disaster can disrupt your life, so you need a hassle-free, streamlined process to get you back on track. Renters’ insurance plays a crucial role in this. Visit our Wenatchee, WA office or call us for more information on what renters insurance can do for you.

talk with Shayla
Bundling Sage to drive away inflation insurance

Read More

RV Insurance Upgrades That May Benefit You During Your Travels

Posted on by admin
RV Insurance made simple

 

Will you be using your RV differently than you are accustomed to? Are you headed up to Barter Faire or down to Burning Man. If so, explore coverage options that will protect your RV, RV equipment, and other travel essentials you will be bringing along during a trip.

RV Towing Equipment and More

You may have decided to bring a four-wheeler or other recreational equipment with you. However, your standard RV insurance policy may only cover the RV itself and its personal possessions.

Add-on coverage for recreational equipment, towing equipment, tow bars, and other essentials will cover you if your RV is damaged in a vehicular accident. This type of coverage can also protect against criminal activity or a natural disaster that causes extreme damage or loss.

Keep track of all the items you need to transport your equipment safely. Then, seek add-on coverage that will enhance your RV insurance policy.

Floor Plan Upgrades

If you have upgraded your RV’s floor plan, you may use the space to store new items.

Review the floor plan upgrades you have made. Decide which new items you would like to cover with your RV insurance policy. You can add building materials, appliances, furnishings, or any other value items within your recreational vehicle.

Questions About Your RV Insurance Policy

If you have questions about your RV insurance policy, contact one of our Wenatchee Insurance Agency representatives. An agent who serves the Wenatchee, WA region will discuss your policy and ensure that you understand the type of coverage that your RV and personal possessions are equipped with.

 

talk with Shayla
Insurance Bundle

Read More

Update Your Motorcycle Insurance Before Spring Riding Season

Posted on by admin
motorcycle insurance wenatchee

Wenatchee Insurance Agency is ready to assist if you’re in the Wenatchee, WA area and planning to update your motorcycle insurance policy. We aim to ensure you can enjoy a great riding season when spring arrives, which is much easier when you have peace of mind. Here’s what you need to know about making important updates to your bike policy.

Review Your Policy With an Agent

Reviewing your policy with one of our agents is the best way to ensure you’re ready to ride when the weather improves. We recommend reviewing your policy at least once a year, and winter can be an ideal time to do so. Since you’re less likely to be riding in cold weather, it’s a great opportunity to focus on bike maintenance, insurance updates, and other details that will prepare you for spring.

Make Necessary Changes for Optimal Protection

Staying protected when you ride is essential. That includes wearing proper gear, focusing on the road ahead, and having a policy that provides the coverage you need. After reviewing your policy and ensuring it’s properly updated, our agents are here to help you make the necessary changes and ensure it’s properly updated. Then, you can ride with confidence, knowing that you have the right insurance in case of a claim. Feeling secure allows you to focus on enjoying the ride without worrying about coverage.

The Right Coverage Makes a Difference

If you live in the Wenatchee, WA, area and need to update your motorcycle insurance policy, contact us today at Wenatchee Insurance Agency. Our dedicated agents are here to help you protect yourself and your motorcycle, preparing you for the spring riding season and all your upcoming adventures.

 

talk with Shayla
Insurance Bundle

Read More