Basic Truths To Consider When Buying Insurance

December 29, 2014

file8841263254299

San Juan County Personal And Business Insurance

One of the most important things to consider when considering your San Juan County personal or business insurance is, “What is the purpose, or goal, of having insurance in the first place?” If you want insurance to cover every broken window, theft of a lawn mower, or $500 medical bill, then you will pay more for the coverage. But we believe that San Juan County insurance is designed to protect your business, home and family from the catastrophic events like, fire, serious injury or loss of a vehicle. In other words, losses that will affect your long term–not ruin your day.

Insurance Truth About Auto Deductibles

If you own an older car, it is better for you to increase your deductibles and pocket the premium savings.

Personal Umbrella Truth

If you own your home, have a 401K, and are building financial resources for your future, a $250 investment in a personal umbrella will be one of the best investments you will make.

Business Insurance Truth

Your business is more likely to suffer a loss from being sued by an employee or having a cyber-breach than by a fire. Every business needs employment liability and cyber liability insurance.

Insurance Truth

Your personal and business insurance needs change over time. For example, you may have purchased your wife an expensive diamond ring, or your child headed off to college. Your business may have added new equipment or an additional location. All these actions can increase your risk and liability. That is why it is important to have a regular insurance review. Your insurance should change with your needs.

Flood & Earthquake Insurance Truth

Floods and Earthquakes are not covered or included in homeowners policies. You must buy separate coverage.

Safe Harbor Insurance is an independent insurance agency – meaning we do business with multiple insurance companies and compare protection and prices to find the best value for you. We’re not computers – we are real, live members of the Friday Harbor community, and we’re committed to being your advocate in times of need.