Category: Home Insurance


  • Camper’s Insurance Checklist

    With Memorial Day Weekend just around the corner, camping season is about to kick off. As you air out the sleeping bags and stock up on s’mores ingredients, don’t forget to make sure that you have the necessary insurance coverage in place, too. In most cases, you don’t need much – a lot of camping […]

    May 21, 2019

  • Insuring “Dangerous” Dog Breeds

    You’ve probably heard that owning certain dog breeds can make it nearly impossible to find insurance. How true is this, really? Well, it depends on your insurance company. Potential insurers vary widely in their stances on insuring dogs that would be considered “breeds of concern.” While some will refuse to insure homeowners with certain dog […]

    March 11, 2019

  • Why a Breakdown Doesn’t Have to Be a Meltdown

    Say your 2-year-old water heater unexpectedly bursts, spilling water everywhere and damaging your floors and belongings. Your homeowners policy will pay to correct the damage, but who’s paying for a new $1,500 water heater? If you’d like that answer to be “not me” (because who wouldn’t?), consider Equipment Breakdown coverage. What is Equipment Breakdown? Equipment […]

    February 7, 2019

  • Earthquake!

    Most people think of California when they hear the word “earthquake,” but did you know that Washington State sits on an 800 mile-long fault line and experiences hundreds of earthquakes each year? Most are mild enough that they’re not felt by humans, but the fact is that it’s only a matter of time until a […]

    January 24, 2019

  • Winterizing Your Vacant Home

    Have you ever come back from a week or two away and realized that you forgot to take the trash out before you left? It’s no fun returning to a house that stinks to high heaven. Nor is it fun to stress about your house while you are away for weeks or months at a […]

    December 5, 2018

  • 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