Category: Home Insurance


  • Home Improvement? Put Down the Hammer and Read This

    You’re finally in a place where you can make those renovations you’ve dreamt of since you bought the house – the updated kitchen, the addition, the Back Deck 2.0 – but before you get started (or before you go any further, if we caught you red-handed), it’s important to contact us about your homeowner’s insurance! […]

    October 9, 2018

  • The Little Number with a Big Impact – Fire Protection Classification

    If you own a home, you’ve probably noticed that homeowners insurance premiums seem to be higher in areas like the San Juan Islands than they are in larger towns or cities. But why? Well, it’s due in great part to something called fire protection classification. What is fire protection classification? Basically, fire protection classification is […]

    September 11, 2018

  • 7 Items in Your Home That Might Start a House Fire

    It’s wildfire season, and we’ve been living in a smoky haze for the past few days. It got us to thinking about some of the fire claims we’ve seen in the past – buildings being burned to the ground by rodents, for example – and we wanted to find out what kinds of everyday items […]

    August 15, 2018

  • Renting Out Your Home? Consider This

    It’s always a bit of a leap of faith when you trust someone to live in a building you own, but it doesn’t have to be a financial risk. Being a landlord comes with a host of responsibilities and worries – from screening potential tenants, to orchestrating repairs and maintenance – so why would you […]

    August 6, 2018

  • Adding Coverage for Big-Ticket Items

    For special items that might exceed the personal property coverage limits of your homeowners, renters, or condo policy, it’s important to ensure adequate coverage with scheduled personal property (SPP), also known as an insurance “rider” or “endorsement.” What is it? A standard homeowners, renters, or condo policy (which we’ll simply refer to as a “home policy” […]

    July 16, 2018

  • Why Renter’s Insurance is a No-Brainer

    If you’re someone who rents – as over a third of the population nationwide does – it’s important to consider what safety measures you have in place if something goes wrong. Say, for example, that a fire severely damages your apartment building. The owner of the building has insurance on the building and will be […]

    June 18, 2018

  • How Would Your Insurance Stand up to a Volcano?

    In light of the recent eruption of Kilauea in the Hawaiian Islands, many people have started reconsidering the threat of a volcanic eruption in Washington. Volcanoes may seem like such a far-off hazard, but did you know that Western Washington has five active volcanoes? That’s one quarter of all active volcanoes in the continental U.S.! […]

    May 10, 2018

  • FHA Loans Put Home Ownership Within Reach

    If you’ve never owned a home before, the buying process can be beyond daunting. Do you have enough money for a down payment? How much do you really have to put down, anyway? Is your credit score high enough? Will the fine print of your mortgage agreement leave you with empty pockets? FHA loans, backed […]

    February 23, 2018

  • Do I Need Insurance for My Home Business? Part 1: Liability

    Part 1: Liability Running your business from home sweet home? Don’t be caught uninsured! According to the US Small Business Administration, more than half of small businesses are based out of the owner’s home. But homeowner’s policies are not meant to cover business-related incidents, such as a client slipping and falling while visiting your home […]

    November 16, 2017