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Is it Cheaper to insure a trailer or a manufactured home in Washington State?

Posted on September 11, 2023April 26, 2024 by Matt McColm

The cost of insuring a trailer (such as a travel trailer or camper) versus a manufactured home (also known as a mobile home) can vary significantly based on several factors.

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Here are some key considerations:

Type of Coverage: The type of insurance coverage you need can impact the cost. Trailers are often insured with RV or travel trailer insurance, which typically covers liability, collision, and comprehensive coverage for the trailer. Manufactured homes, on the other hand, are typically insured with a mobile home insurance policy that provides coverage for both the structure and its contents, similar to traditional home insurance.
Value of the Property: Manufactured homes are usually larger and more valuable than trailers. The replacement cost of the structure and the value of your belongings will play a significant role in determining the premium. Generally, the higher the value, the higher the insurance cost.
Location: Where you park or place your trailer or manufactured home can affect insurance rates. Locations in regions prone to natural disasters like wildfires may result in higher premiums due to increased risk. We have seen an increase in cost and availability in our more forested areas of Chelan and Okanogan Counties.
Age and Condition: The age and condition of your trailer or manufactured home can also impact insurance costs. Older structures might have higher premiums because they could be more susceptible to damage and wear and tear.
Safety Features: Safety features like smoke detectors, security systems, and fire-resistant materials can help reduce insurance costs for both trailers and manufactured homes.
Usage: How you use your trailer or manufactured home can influence insurance rates. If you use your trailer for occasional vacations, it might have a lower premium compared to a manufactured home that serves as a primary residence.
Discounts: Insurance providers often offer discounts. For example, bundling your trailer or manufactured home insurance with other policies, having a good claims history, or belonging to certain organizations may qualify you for discounts. We like to have conversations with our clients to look for discounts.
Insurance Provider: Different insurance companies have varying rates and policies. It’s why we use as many insurance companies as we have access to shop for our clients.

In general, trailer insurance is often less expensive than manufactured home insurance due to the differences in size, value, and usage. However, the actual cost can vary widely based on the factors mentioned above. To determine which option is cheaper for you and to get an accurate insurance quote, it’s best to contact insurance providers and provide them with specific details about your trailer or manufactured home. This way, you can compare quotes and make an informed decision based on your needs and budget.

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Topics: Wenatchee Insurance, Insurance Quote, Trailer Insurance, Auto Insurance, Wenatchee, Chelan, Manufactured Home Insurance, Home Insurance, Okanogan, Douglas County, Okanogan County, Independent Insurance Agency, Insurance Shopping

MI CASA DE SEGURO MÉDICO

Posted on September 5, 2023April 26, 2024 by Matt McColm

Hace más de 11 años, cuando Matt comenzaron a trabajar con seguros médicos, preguntamos si los ITIN se considerarían como prueba de residencia para la Ley de Atención Médica Asequible. Teníamos muchos clientes y amigos con varios niveles de documentación y nuestro objetivo era asegurarnos de que todos tuvieran seguro médico.

Nos quitaron más cuando los Dreamers fueron considerados no elegibles en 2017. Ha sido una lucha y lucha para mejorar el acceso al seguro médico para los inmigrantes.

Finalmente, el 1 de noviembre de 2023 podremos comenzar a inscribir personas independientemente de su estatus migratorio en Washington Healthplanfinder. Las tarifas aún están por determinarse y no sabemos si utilizarán un ITIN como herramienta para la solicitud. A medida que haya más información disponible, se lo haremos saber. Lo que sí sabemos.

La inscripción se realizará del 1 de noviembre al 15 de enero. Tenemos dos oficinas,

Wenatchee Insurance. Esta es la dirección de 413 N Mission Street. Tiene horario extendido. El inglés es el idioma principal que se habla y su número de teléfono es 509-295-9055.

Programe sus citas con anticipación y si necesita cambiarlas, infórmenos lo antes posible. Hay 105.000 personas que han estado esperando acceso a la atención sanitaria.

My Health Insurance Home

Over 11 years ago when Matt started working with Health Insurance we asked if would ITINs be considered as proof of residency for the Affordable Care Act. We had a lot of clients and friends with various documentation levels and our goal was to make sure that everyone had health insurance.

We had more taken away when the Dreamers were deemed ineligible in 2017. It has been a fight and struggle to improve health insurance access for immigrants.

Finally, on November 1^st, 2023 we can begin enrolling people regardless of immigration status onto the Washington Healthplanfinder. The rates are yet to be determined and we do not know if they will use an ITIN as a tool for the application. As more information becomes available, we will let you know. What we do know.

Enrollment will run from November 1^st through January 15^th. We have two offices,

Wenatchee Insurance . This is the 413 N Mission Street Address. It has extended hours. English is the primary language spoken and it’s phone number is 509-295-9055

Set your appointments early and if you need to change them then let us know as soon as possible. There are 105,000 people who have been waiting for access to healthcare.

Topics: Health Insurance, Healthcare, Molina, Apple Health, Obamacare, Mi Seguro, Seguro de Salud, Coordinated Care, Medicare

Free Services for LGBTQ+ Youth

Posted on September 5, 2023April 26, 2024 by Matt McColm

Triple Point NCW provides free services for LGBTQ+ youth, their families and communities in Chelan, Douglas, Grant and Okanogan Counties. The National Survey on LGBTQ Youth Mental Health paints a rough picture with 45% of LGBTQ+ youth seriously considering suicide and fewer than 1 in 3 transgender and nonbinary youth finding their homes being gender-affirming. A positive person can reduce the risk of children not making it to adulthood.

Triple Point is part of the Children’s Home Society of Washington. They have been around since 1896. They have seven locations around Washington State. Each with different support programs with Wenatchee identified as a Future Hub for a streamlined and cohesive support system for children and families.

If you would like to lend a hand contact Dylan Sprodling directly at dylan.spradling@chs-wa.org or call 509-802-1136.

With The Suzie @ Wenatchee Insurance, we created an outreach page called OUTNCW.ORG where people can find healthcare including mental health professionals. We have been committed to all of our neighbors living their lives and getting clear access to healthcare is part of it.

Medicare and Health Insurance Appointments

Posted on August 29, 2023April 26, 2024 by Matt McColm

October 15th through December 7th is the Annual Open Enrollment Period for Medicare. This allows people on Medicare plans to make an adjustment for plans that start the following year. If you had a big change in health or want to review plans then this is your chance to do so.

Book your appointment now

Medicare Appointment

Health is different. Health starts November 1st and runs until December 15th for plans that start January 1st. Then there is a bonus enrollment from December 16th through January 15th for plans that start February 1st.

Book Health or Medicare with Suzie in Wenatchee

Health appointment with Suzie

With our past enrollments we know that space is going to be limited. To give you a better understanding.

We have grown a lot!

We have sped up considerable. As the following is new policies that we have written for just 2023. This is not our full list as renewals grow every year for us.

We provide all of our clients with the opportunity to understand and change policies every year. This is why we request clients that want this opportunity to set their appointment ASAP. Yes, we have grown 241% since 2019. We run 7 days a week for most of the enrollment period.

PEBB and other retirement plans

If you want information about a PEBB Plan then you have to go to the Healthcare Authority. They do not contract with brokers and do not provide training for your plans. We recognize that they can use additional customer service but we can not answer your retirement plan questions during Enrollment Periods. Go here for PEBB & SEBB information and contact your state representative for more customer service for your retirement plan.

The Apple Health Unwinding has a huge amount of people looking for insurance.

Apple Health started verifying their clients in April this year. This was after several years of pause due to the medical emergency. We set up a website and have been working hard at assisting everyone that we can in Central Washington keep their Apple Health or transfer into a plan that they can afford. Suzie and Matt work with Apple Health out of our office at 413 Mission in Wenatchee.

Healthcare Regardless of Immigration Status.

Matt at the Enrollment Center has been waiting for nearly a decade. November 1st we start Enrolling. A person can set their appointment now. Selection your appointment now and you can have a plan that starts January 1st 2024!

Suzie Appointment

An Home, Auto, or Business Policy in Wenatchee or start a quote on our Website.

Topics: Health Insurance, Medicare, Prescription, Plan D, Medicare Advantage, Enrollment Center, Wenatchee Insurance, Quincy, Immigrant Health Insurance, Medicaid, Apple Health, Unwinding, Molina, Community Health, Amerigroup,

Will skipping Home Insurance in Eastern Washington save me money?

Posted on August 29, 2023August 4, 2024 by Matt McColm

home insurance is not something to skip — Home Insurance is safety net

With the national average of homeowners insurance rising 20% to $1400 more people are choosing to go without. Twelve percent are choosing to ‘go bareback’ without home insurance and about half of the uncovered homes have an income of $40,000. We created Wenatchee Insurance to provide more people access to shopping an independent agency.

My grandmother instructed me to always pay the fire insurance after the mortgage as she saw too many people lose everything. In 2014 Central Washington had the Carlton Complex fire with 553 structures lost and nearly half were uninsured. Nine years later not everything has recovered.

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Home insurance is like a safety net for your house. It helps protect you in case something bad happens, like a fire, a big storm, or a robbery. If you’re thinking about not getting home insurance, here are some things to think about:

Rules from the Bank: If you have a loan for your house, the bank might say you have to get insurance. They want to make sure their investment is safe. In some cases, if you default then they will purchase coverage in their favor at your expense.

Being Ready for Trouble: If something really bad happens to your house, like a big fire, having insurance could help you pay for fixing things. If you’re confident you could pay for repairs yourself, you might consider skipping insurance. Do you have the thousands in the bank to rebuild your losses?

Where You Live: If you live in a place where things like floods, earthquakes, or fires can happen, it’s riskier. Insurance could help you if these things damage your house. In the Pacific Northwest, some studies are pointing to dryer, warmer summers which lead to more wildfires.

Stuff You Have: If you have valuable things in your house, like expensive electronics or jewelry, insurance could help replace them if they’re stolen or destroyed.

Someone Gets Hurt: If someone comes to your house and gets hurt, insurance could help pay if they sue you. Liability is a big issue.

Remember, skipping insurance could be risky. If something bad happens, you might have a hard time paying for repairs or replacing your things. It’s a good idea to talk to someone who knows about money and insurance before deciding. Wenatchee Insurance Agency shops multiple companies to make sure our neighbors can rebuild from a loss.

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Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Manufactured Home Insurance, Mobile home insurance, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Wild Fire, Carlton Fire, BLM, Eastern Washington, Climate Change, Drought, Independent Insurance Agency,

How does insurance bundling save me money?

Posted on August 28, 2023April 26, 2024 by Matt McColm

Insurance bundling, also known as multi-line or multi-policy insurance, refers to the practice of purchasing multiple insurance policies from the same insurance company. Instead of buying individual policies for different types of coverage, such as auto, home, and life insurance, a customer can bundle these policies together.

While this used to be common in captive insurance companies, it has expanded into independent agencies as well. Some insurance providers will provide a bundling discount if another policy is within the same agency!

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Insurance bundling is convenient and can save money. Insurance companies typically offer discounts to customers who bundle multiple policies with them. This can lead to reduced premiums compared to purchasing each policy separately from different providers. Additionally, bundling simplifies the administrative process, as customers only need to deal with one insurance company for their various policies.

Common types of insurance policies that are bundled include:

Auto and Home Insurance: Combining these two policies is a common example of bundling. Customers who own both a vehicle and a home can benefit from a discount by purchasing both policies from the same insurer.

Life and Health Insurance: Some insurance companies offer life insurance and health insurance bundles. Yes, we can assist with Dental, Life, Health, and Medicare Insurance along with property.

Business Insurance Bundles: For business owners, insurance companies often offer packages that combine different types of business insurance, such as general liability, cyber coverage, commercial property, and business interruption insurance. These are often referred to as a Business Owner’s Policy or BOP.

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Umbrella Insurance: An umbrella policy provides additional liability coverage beyond the limits of your underlying auto or home insurance. Bundling an umbrella policy with auto insurance can provide comprehensive protection.

While insurance bundling can offer financial and administrative benefits, it’s essential to carefully review the terms, coverage limits, and costs associated with each bundled policy. Sometimes, the cost savings from bundling might be outweighed by limitations or higher premiums for specific coverage types. It’s good practice to compare bundled prices with the total cost of individual policies to ensure that you’re getting the best value and appropriate coverage for your needs.

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Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Car Insurance, Mobile home insurance, Apple Health, Medicare, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping,

The Ultimate Guide to Auto Insurance in the Evergreen State

Posted on August 24, 2023June 6, 2024 by admin

If you’re a new driver or changing auto insurance companies in Wenatchee, WA, navigating the auto insurance world can be a complex and daunting task. Contact the insurance professionals at Wenatchee Insurance Agency when you need help understanding auto industry terms like deductibles, minimum coverage, or liability.

Why You Need Auto Insurance

Licensed car insurance professionals can help guide you through the murky waters of auto insurance. Evergreen state drivers can feel more confident about choosing the best auto insurance policy when they understand insurance basics.

Washington State Insurance Requirements

One of the most important things to understand about getting auto insurance in the Evergreen State is that having auto insurance is mandatory for all drivers. Every driver operating a motor vehicle on Washington roads must have minimum liability insurance to financially protect other drivers from the costs associated with an automobile accident. Minimum liability insurance helps cover medical expenses and property damage caused by an auto accident.

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Talk to your agent to learn about the basic requirements for getting the best car insurance policies in Wenatchee, WA and surrounding cities!

Frequently Asked Questions

What kind of auto insurance do I need to drive in Washington?

Washington’s drivers need minimum liability insurance coverage to drive legally. They can also add optional coverages for comprehensive and collision to extend the limits of their policy.

How much does liability insurance cost in Washington?

The cost of a Washington liability insurance policy will vary since it depends on your driving history and other factors.

What factors affect my car insurance rate?

Licensed insurance agents can help you choose a policy based on your driving history, budget, and other factors.

Schedule A Consultation Today!

Contact a licensed insurance agent at Wenatchee Insurance Agency to get a customized insurance quote today!

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simple process for insurance — Wenatchee Insurance simple process

Which company has cheap car insurance in Washington State?

Posted on August 8, 2023April 26, 2024 by Matt McColm

Wenatchee Insurance is an independent insurance agency that shops for our clients with a variety of different companies. While we have an office in Wenatchee, we can write insurance policies from Yakima to Oroville and from Forks to Clarkston.

In Washington State, there are several insurance companies that specialize in providing coverage for high-risk drivers. Their preferred market is to offer insurance to individuals with a history of accidents, tickets, DUIs, or other factors that might make them considered “high risk” by traditional insurance companies. Some people mistakenly think that every plan offered by a “high risk” company is cheap.

Important: If you need an SR-22 then let us know before we quote. Not every company offers that service.

Pick up with police car issuing a ticket

Three insurance companies that often cater to high-risk drivers in Washington state include:

Dairyland: As mentioned earlier, Dairyland specializes in providing insurance for high-risk drivers, including those with a history of tickets, accidents, or other challenges.
The General: The General is known for offering insurance options to drivers who might have difficulty obtaining coverage from standard insurance providers due to their driving history.
Progressive: Progressive is a well-known insurance company that also offers coverage for drivers with less-than-perfect driving records. They often have options for high-risk drivers.

It’s important to note that availability and rates can vary based on individual circumstances, including the specific violations or incidents on your driving record. When searching for high-risk car insurance in Washington state, we are independent insurance agencies, so we compare multiple companies for you.

In general, it’s not uncommon for someone to approach us for a high-risk company only to discover that they have a better rate with one of the different companies that we work with. We shop with about 20 different companies and sometimes a person who thinks Dairyland is the cheapest may find out that Nationwide or Allstate is a better fit.

Insurance is complicated. We literally use computers to help us determine the best companies after looking for discounts that most people don’t know are available. It’s not our job to judge, it’s our job to insure.

Topics: Wenatchee Insurance, Insurance Quote, SR22, General, Nationwide, Wenatchee, Chelan, Dairyland, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Ticket, discount insurance, Inclusive,

Tips for insuring reducing the cost of insurance for your manufactured home.

Posted on August 2, 2023April 26, 2024 by Matt McColm

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Insuring manufactured homes can be cost-effective. These are not the old mobile homes of the past. They are definitely not a stick built. We have a couple of companies that we quote with at Wenatchee Insurance. Here are more tips to help you save money while insuring your manufactured home:

Maintain a good claims history: Avoid frequent or unnecessary claims. Insurance companies often reward policyholders with lower premiums if they have a history of few or no claims.
Consider the location: The location of your manufactured home can impact your insurance premium. The companies are looking at high fire dangers and high theft areas. When possible, choose a location that is less risky and more affordable to insure.
Improve home safety: Enhance the safety features in your manufactured home to reduce risks. Installing smoke detectors, carbon monoxide detectors, and fire extinguishers may not only keep you safer but also qualify you for discounts on your insurance policy.
Pay annually or semi-annually: If your budget allows, consider paying your insurance premium in one lump sum annually or semi-annually instead of monthly. This is always worth the ask.
Review your policy annually: As your needs and circumstances change, your insurance requirements may also evolve. The annual conversation is important, we don’t know if you added a pool to your backyard if you don’t tell us.
Inquire about discounts: Don’t hesitate to ask your insurance provider about available discounts that you might qualify for, such as early shopping, multi-policy discounts, or discounts for retirees.
Consider additional security measures: If you’re in a high-crime area, investing in additional security measures like security cameras, motion sensor lights, or a monitored alarm system might lead to premium discounts.
Avoid underinsuring: Make sure you have the right amount of coverage for your manufactured home. Being underinsured may leave you vulnerable in case of a claim. In the last couple of years inflation has really changed some values.

Remember, it’s essential to strike a balance between cost savings and having adequate coverage. Always discuss your specific needs and circumstances with your insurance provider to find the best insurance plan for your manufactured home.

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What are fires doing to the price of my Home Insurance?

Posted on July 17, 2023April 26, 2024 by Matt McColm

Wildfires were one of the reasons that we set up Wenatchee Insurance. Folks West of Sunnyslope and up to Lake Wenatchee have been requesting quotes because their old company has been asking for significant increases. Well, this is what is going on with the underwriters.

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In areas where there is a high risk of wildfires or other fire-related hazards, insurance companies may take certain measures to manage their exposure and minimize potential losses. While practices can vary among insurance providers and regions, here are some common actions that insurance companies may take:

Moratoriums: Insurance companies may implement temporary moratoriums on issuing new policies or making policy changes during periods of high fire danger. This is done to prevent individuals from obtaining coverage when a fire is imminent or already occurring. During large fires, we have seen multiple zip codes blocked by some companies.
Non-Renewals: Insurance companies may choose not to renew policies for homeowners located in areas with a high risk of fire. If the risk of fire in a specific region is deemed too high, an insurance company may decide to discontinue coverage for existing policyholders when their policies expire.
Increased Premiums: In high-risk areas, insurance companies may charge higher premiums to reflect the increased risk of fire. These higher premiums are intended to offset the potential cost of claims in fire-prone regions.
Risk Assessments: Insurance companies may conduct thorough assessments of individual properties in high-risk areas. They may consider factors such as proximity to trees or brush, the availability of fire protection systems, and other risk mitigation measures. Insurance companies may choose to offer coverage, limit coverage, increase price, or decline coverage altogether.

It’s important to note that these actions are typically taken by insurance companies to manage risk and maintain their financial stability. If you live in an area prone to fires, it’s advisable to have a conversation with your agent to understand the conditions. It is why we shop multiple companies for our clients to find a good rate.

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Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Auto Insurance, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping, Wild Fire

Wenatchee Insurance Agency

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Is it Cheaper to insure a trailer or a manufactured home in Washington State?

MI CASA DE SEGURO MÉDICO

My Health Insurance Home

Free Services for LGBTQ+ Youth

Medicare and Health Insurance Appointments

Book your appointment now

We have grown a lot!

PEBB and other retirement plans

The Apple Health Unwinding has a huge amount of people looking for insurance.

Healthcare Regardless of Immigration Status.

Will skipping Home Insurance in Eastern Washington save me money?

How does insurance bundling save me money?

The Ultimate Guide to Auto Insurance in the Evergreen State

Why You Need Auto Insurance

Washington State Insurance Requirements

Frequently Asked Questions

What kind of auto insurance do I need to drive in Washington?

How much does liability insurance cost in Washington?

What factors affect my car insurance rate?

Schedule A Consultation Today!

Which company has cheap car insurance in Washington State?

Important: If you need an SR-22 then let us know before we quote. Not every company offers that service.

Tips for insuring reducing the cost of insurance for your manufactured home.

What are fires doing to the price of my Home Insurance?

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