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Renters Insurance After a Disaster: Getting Back on Your Feet

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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.

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RV Insurance Upgrades That May Benefit You During Your Travels

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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.

 

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Update Your Motorcycle Insurance Before Spring Riding Season

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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.

 

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Does Boat Insurance Cover My Passengers in an Accident?

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boat insurance wenatchee

 

What about boat insurance? Owning a boat in Wenatchee  provides unique opportunities to explore local waterways along the Columbia River and beyond. If you’re a local boat owner planning to navigate the open waters with friends and loved ones, it’s crucial to have adequate insurance coverage. This protects you, your passengers, and your vessel from potential mishaps that can occur during your journey.

Does Boat Insurance Cover My Passengers in an Accident?

The extent to which your boat insurance covers your passengers in an accident largely depends on the type of boat or watercraft insurance you have. For instance, minimum liability policies may only protect other passengers and vessels in the event of a sideswipe or head-on collision on the water.

Boaters seeking comprehensive coverage often opt for boat or watercraft insurance that can financially protect them and their passengers from a wide range of collision-related and non-collision-related perils. Comprehensive boat insurance can help offset the costs of legal liability claims associated with accidents and help boat owners recoup the costs of boating repairs, total loss replacements, or issues related to theft, natural disasters, and vandalism.

boat insurance at Wenatchee and Chelan

How Do I Know If My Boat Insurance Policy Offers Comprehensive Coverage for Boating Accidents?

The best way to understand exactly what your boat insurance policy covers is to contact a licensed local agent who can explain the provisions of your policy. A well-structured policy will protect your vessel from various standard and uncommon perils.

Contact Wenatchee Insurance Agency in WA for a boat insurance quote and learn more about the coverages you and your passengers are eligible for. Don’t wait until a boating accident or hull damage results in high out-of-pocket expenses.

Call us today for a boat or watercraft insurance quote from Wenatchee Insurance Agency!

 

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What is umbrella insurance and do I need it as a small business owner?

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ready for umbrella insurance

 

Most business owners are concerned about protecting their business in any way possible. This includes protecting their business operations and any incident that could affect the health of their business, whether it’s online or in a brick-and-mortar location. However, understanding what coverage would suit their business best, as well as how much, can be a daunting task. We understand this truth at Wenatchee Insurance Agency. As a result, we’re committed to helping Wenatchee, WA business owners understand business insurance and get the coverage they need to fulfill the needs of their unique businesses. We want business owners to understand the different types of insurance available to them and how they work.

What is Umbrella Insurance?

Umbrella insurance is additional insurance. For example, suppose the limits of your primary insurance policy are insufficient to cover an eligible incident. In that case, umbrella insurance kicks in to cover the amounts your primary insurance won’t cover. It’s backup insurance that meets your needs once you’ve maxed out your primary insurance policy.

What is umbrella insurance, and do I need it as a small business owner?

Umbrella insurance is backup insurance used once your primary insurance limits have been met. There are various reasons why umbrella insurance is a wise investment for many business owners. Umbrella insurance can function as primary insurance if an incident occurs, but your primary insurance policy does not cover that. Lawsuits and other high-risk situations are covered by umbrella insurance. You benefit from this insurance if you’re a business owner with a substantial risk of lawsuits, damages, injuries, and other situations that your business is prone to regularly. The best part about umbrella insurance is that it provides beneficial coverage and is often low-cost. It is an extra layer of coverage that provides many perks and benefits for businesses. Call us if you think you could benefit from umbrella insurance and want to explore your options. We’d be happy to help.

 

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Common Misconceptions About flood insurance: What You Should Know

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Flood Insurance Washington

At Wenatchee Insurance Agency, serving the area in and around Wenatchee, WA, we know that navigating flood insurance can be tricky. Many homeowners overlook this crucial coverage due to common misconceptions or incorrect information they hear and believe. Let’s clear up some myths and help you make informed decisions.

Myth 1: Homeowners Insurance Covers Floods

A frequent misunderstanding is that standard homeowners insurance includes flood coverage. Unfortunately, it does not. Flood insurance is a separate policy that specifically covers damage caused by flooding. Understanding this distinction can save you from unexpected expenses.

Myth 2: Only High-Risk Areas Need Flood Insurance

Another misconception is that only homes in high-risk flood zones require insurance. However, floods can happen anywhere. About 25% of flood claims come from low to moderate-risk areas. Assessing your property’s risk with the help of an expert can ensure you’re adequately protected.

Myth 3: You Can Purchase Flood Insurance Anytime

Many people assume they can buy flood insurance whenever they want. However, there’s usually a 30-day waiting period before the policy goes into effect. Planning ahead is essential to ensure you’re covered when you need it most.

Myth 4: Flood Insurance Is Too Expensive

While cost is a concern, flood insurance may be more affordable than you think, especially compared to the potential costs of flood damage. The price varies based on location, coverage, and property details, so it’s worth exploring your options.

Reach Out to Get Flood Insurance or Answers to Your Questions About Flood Insurance

At Wenatchee Insurance Agency, serving the Wenatchee, WA area, we’re here to help you understand your flood insurance needs. Contact us today to discuss your options and ensure your home is protected.

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How Do You Change Your Health Insurance Policy After Moving to a New State?

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broker can help change insurance plan

Relocating to a new state may be thrilling, but it comes with a checklist of duties, which includes updating your health insurance policy. At Wenatchee Insurance Agency in Wenatchee, WA, we understand the significance of seamless transitions. Let us guide you through the steps to modify your health insurance following a move.

Understand State Regulations

Each state has its health insurance marketplace and regulations. When you move, adhering to these new rules is crucial to ensure compliance and complete coverage. Some states might provide different benefits or mandate specific types of coverage. Acquainting yourself with these changes can help you avoid any lapses in coverage.

Notify Your Insurance Provider

Once your relocation is complete, notify your current insurance provider as promptly as possible. This step is pivotal because your present plan may not offer services in your new state. Your provider can guide you on whether you can stick to your existing plan or if you need to opt for a new one.

Explore The New Insurance Options

If you discover that you need a new policy, commence exploring options in your new state. The Health Insurance Marketplace is an excellent place to start. During the triggered Special Enrollment Period due to your move, you can evaluate plans and find one that caters to your needs and financial capacity.

Seek Professional Guidance

Untangling insurance changes can be intricate. However, consulting with a local insurance expert can simplify the process. At Wenatchee Insurance Agency, we’re here to help residents of Wenatchee, WA, find the best health insurance solutions.

Contact Wenatchee Insurance Agency Today

Ready to modify your health insurance policy following your relocation? Contact the Wenatchee Insurance Agency in Wenatchee, WA today for tailored assistance. Ensure your coverage meets your new state’s requirements.

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What Is Term Life Insurance? Is It Right For Me?

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term life insurance policy that goes from job to job
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Do you have a family or dependents? What would happen to them if you passed away? If you don’t know the answer to this question but want to help secure your dependents’ future, term life insurance might be right. At Wenatchee Insurance Agency, servicing Wenatchee, WA, we help our customers find the proper term life insurance for them.

Having a personal life insurance plan that you can take from job to job is an important asset in your working career. There will be jobs that may not offer insurance and yes people do pick up a conditions that prevents them from passing underwriting. Yes, you can have multiple policies.

What Is Term Life Insurance?

Term life insurance is a life insurance product with an end date. It pays out, but only if the policy is active. Term life insurance policies are active only for a specific term, and then they end.

These policies can last for as long as 30 years. Typically, term life insurance policies have a level premium that stays the same throughout the policy’s life. When the policy term ends, there is no payout.

Who Needs Life Insurance?

Although term life insurance has an end date and no payout, it’s available for a relatively low cost. The level premium is also a benefit because it helps make it more easily affordable. This makes term life insurance a preferred product for people who have young families and tight budgets.

Often, people seeking term life insurance have a goal in mind. For example, you may want term life insurance to help pay your mortgage in the event of your death or to pay for your child’s school expenses in the future.

How Can I Get Life Insurance?

If you’re interested in term life insurance, contact the insurance experts at Wenatchee Insurance Agency servicing Wenatchee, WA. Call today to learn more about our range of insurance products so you can choose the right products for your needs.

At Wenatchee Insurance, we use an exchange format that allows us to shop multiple companies in a fast manner.

 Quick term life insurance quote

 

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Auto Insurance 101: Insurance Terms You Need to Know

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At Wenatchee Insurance Agency in Wenatchee, WA, we believe consumers are entitled to know as much about their insurance policies as possible. This knowledge empowers you to make the best decisions to financially protect you and your family in the event of a car accident.

The world of auto insurance is laden with many technical terms that, let’s be honest, can be quite confusing. So, we’ve gathered a rundown of common terms you might encounter on your policy to help you better understand their meaning.

Liability Coverage

Liability coverage safeguards your finances in the event that you are found responsible for causing an accident. Without this protection, you may face lawsuits that could drain everything you’ve worked so hard for.

Collision Coverage

Collision coverage covers damage to your vehicle caused by a collision with another object or person. It pays up to the value of your vehicle minus the deductible.

Comprehensive Coverage

Also known as "other than collision" coverage, comprehensive coverage protects you from loss if your car suffers damage such as theft, vandalism, fire, flooding, collision with an object, or an animal accidentally running across the roadway. In essence, comprehensive coverage caters to a broad range of damages, minus the deductible, other than those resulting from a collision or circumstances mentioned in the policy conditions page.

Comprehensive and collision coverages are often called “full coverage insurance.”

Insurance Deductibles

An insurance deductible represents the amount you are obligated to pay out of pocket before your insurance policy comes into effect and you start paying for a covered claim. The deductible amount is at your discretion. However, remember that lower deductibles result in higher premium payments and vice versa.

Other Auto Insurance Terms

You may also encounter the term “gap insurance” on your policy. This term refers to the difference between your vehicle’s value and the amount you owe on it in the event of a total loss. Another term is the "declarations page". The declarations page outlines the essential details of your auto insurance policy, including your name, policy number, vehicle, validity dates, policy limits, and deductibles.

Questions or Concerns? Let Us Help!

Reviewing your insurance policy shouldn’t feel inscrutable or like reading a foreign language. At Wenatchee Insurance Agency in Wenatchee, WA, we are here to be your guides, helping you understand your policy’s details and choose the optimal coverage for your unique needs. Call us today at (509) 685-3325.

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Commercial Insurance: What Is It, and What Can It Do For You?

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There are so many things that could put your business in peril. If your stock is particularly tempting, someone could steal a good portion of it. Customers and employees can trip and fall on the premises. If your business requires someone to drive, that opens a whole new line of risks. A clever and devious hacker could cause mischief even if your business is completely online. That’s why you need commercial insurance.

What Commercial Insurance Is

Commercial insurance aims to provide coverage for a business in the event of the financial consequences of unplanned events. Various types of commercial insurance policies are available. These include coverage for liability, property damage, business interruption insurance, and much more. Commercial insurance can cover a wide range of potential issues that could arise in the course of running a business.

How Does It Work?

When your business has experienced a significant loss, you file a claim that explains what you’ve lost. Your insurer will then issue a payment to aid you in recovering your losses. Your insurance company might handle your legal representation in the event that you’re being sued. You pay a premium every month to maintain your coverage. Before your insurance policy kicks in, you will have to pay the deductible.

Wenatchee Insurance Agency Serving Wenatchee, WA

If you have a business in the Wenatchee, WA, area and would like to protect it with commercial insurance, please call Wenatchee Insurance Agency. Our helpful, perceptive, and courteous agents will do all they can to help you find the insurance policy that best suits your individual needs.

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