Insure Washington

Have you been out to WenatcheeInsurance.com ? The insurance industry can be tough on ease of use and we wanted to go against that trend.  We have been working hard to make it easier for people to find us, get quote information, and now get access to their information faster.  Check out this video .  When someone has a Home, Auto, or Business Account then they also have access to the Client Center .  No more hunting for ID cards, if you want to add a car over the weekend or make a payment at 2:00 AM.  All you have to do is use the email address that you have on file then you have access to this feature. email sign in Seriously, the Client Center is easy to find and easy to get into with your email. I even plugged in a document for a Good Student Discount.   simple menu easy to load information Being an independent insurance agency in North Central Washington, allows us to build with the customer in mind. Our office is easy to find at 413 N Mission Street in ...

Purses are expensive   Renters’ insurance typically provides coverage for theft, which means it can help protect your personal belongings if they are stolen from your rented property or temporary situations such as your automobile.. They are surprisingly affordable and as an independent insurance agency, WenatcheeInsurance has several companies to choose from. Here's how renters’ insurance generally covers theft:   Personal Property Coverage: Renters' insurance includes coverage for your personal belongings, such as furniture, electronics, purses, and other possessions. If these items are stolen due to a covered event, like a burglary or theft, your insurance policy can help reimburse you for their value. The coverage typically extends to theft that occurs both inside your rented unit and outside, such as if your belongings are stolen from your car.     Actual Cash Value (ACV) vs. Replacement Cost Value (RCV): When filing a theft claim, the insurance company may e...

  Progressive Insurance offered a look last fall at whom they are targeting with their advertising dollars. They called them the “Robinsons”. As an independent insurance agency, we keep an eye out for changes in the marketplace to see how we can improve our products in our community.  The Robinsons are a segment of the marketplace that includes households who own a home and car and place the insurance with the same insurer as a bundle. They represent the ideal customer for the big insurance company. They have the highest retention of 53% and the longest retention with 45% having been with their insurance provider 11 years or more. These are the customers that are highly sought after by big insurance companies and see some (but not all) discounts.  Robinsons are important to big insurance. There are a couple of force s that are driving this ideal group to shop: 1. Record high numbers of serious collisions.  2. Skyrocketing used vehicle valuations with inflated rep...

    Matt worked with his first non-profit when he was fifteen. (We do so much volunteer work that we are debating moving fully to a special benefit corporation). Volunteer work holds an important place in our hearts. One of the simple rules is if it is important then insure it. One mishap and a nonprofit can lose years of progress from that lapse of judgment. Right after your articles of incorporation, the next document that your board should have is your insurance policy. Non-profit board liability insurance, also known as directors and officers (D&O) insurance, typically covers legal fees and damages arising from lawsuits against the non-profit organization's board members and officers for alleged wrongful acts or omissions committed in their roles as leaders of the organization. Specifically, D&O insurance may cover the following: 1.        1.  Legal defense costs : This includes attorney fees, court costs, and other expenses associa...

  Getting cheap insurance for a teenage driver can be tricky, as younger drivers are considered higher risk by insurance companies. Seriously, we have a high school driver in our household and from driver’s education, the new rules through getting the new insurance increase, the experience is while. However, there are a few steps you can take to try and lower your premiums:   Shop around: Different insurance companies offer different rates, so it's important to compare quotes from multiple insurance companies before deciding. We brought our policies in-house and shopped at six different companies at Wenatchee Insurance . Our household’s insurance was with a single company.   We knew we needed more shopping power without going to half a dozen different agencies.  Shop Wenatchee Insurance 's exchange.  Consider adding your teen driver to your existing policy depending on the company. Some companies are set up better for older drivers. Yes, you want all the...

  Pop Up Events are awesome! We have some great pop up events in Central Washington. We have festivals like Apple Blossom , Wenatchee and Chelan Pride . We have Farmers' Markets . We have weddings. At Wenatchee Insurance we are seeing more questions about Event Insurance. We have multiple companies that we work with because we are an independent agency.  It's why we have a basic form to start a quote!  Event Insurance is important because it protects the folks that are running the events and the venue that is hosting the event. The cost of event insurance can vary depending on several factors, including the type of activity, the level of risk from similar events in the past, and the coverage limits required by the venue. A 250-person wedding with an open bar will have a completely different rate than a 70-person attendance book reading. A bouncy house will have a different rate than BBQ.  Generally, event insurance is designed to be affordable and accessible to bu...

When we discuss homeowners’ insurance with homes in North Central Washington, we always start with the same first step. People ask us about all sorts of things, but the independent insurance agents at Wenatchee Insurance start from the bottom, which is the dwelling coverage amount. Without that estimated amount required to rebuild your Wenatchee home in the event of a total loss, you really don't have a home insurance policy. Can you rebuild your home after a total loss? The discussion around that number is always is it enough or is it too much. People love to haggle over this number. It’s a three bears situation, not too high, not too low, and just right. We want to hit that just right number. Let's see what goes into this number and if you have enough to rebuild! How Is the Estimate Determined? The first step to determining the dwelling amount is to look at the square footage and year that your home was built. This establishes a size, or amount of construction needed whil...

We can get you an SR 22   We write SR 22s on a regular basis for clients all over North Central Washington. We understand that moments can get away from the best of us. An SR 22 judgement is not the end of the world. An SR-22 is a certificate of insurance that Washington State requires from drivers who have been convicted of certain driving offenses, such as driving under the influence (DUI) or driving without insurance. The SR-22 is not an insurance policy itself, but rather a document that proves you have the required insurance coverage. When a driver is required to have an SR-22, your insurance company will file the form with the state on your behalf. The SR-22 is typically required for a period of three years, during which time the driver must maintain the required insurance coverage. If the driver cancels their insurance during this time or if the insurance company cancels the policy, the insurance company is required to notify the state, and the driver's license may be suspe...

At Wenatchee Insurance , we get this question a lot about new homes and the price of insurance. Central Washington residents love buying new construction homes in Quincy, Leavenworth, Lake Chelan, Entiat, and all around the countryside. There are definitely hot, new built homes in the area.  It's great to move to a brand-new home and not have to worry about anything other than how to set up your internet service and have enough storage space. Typically, there is no painting, no repairs, no cleaning out the back corner of the basement, or other hassles that come with a pre-existing home purchase. One of the other things that people take comfort in when they purchase a new build is that the cost of insurance is incredibly cheap compared to older homes. We are often asked how this is possible. There are a bunch of factors at work. Let's take a closer look! Number one on the list is going to be the fact that the house is shiny with the new house smell. Seems obvious right? Think o...

  At Wenatchee Insurance , we like to know why a possible new client in Chelan/Douglas County is searching for new coverage with us.  Yup, the answers vary, but we do see some trends, and usually that is centered around price.  Who doesn't think about price these days? Buyers have more options than ever and the elusive better deal is sometimes not elusive at all.  Are you paying too much for insurance? People don't want to overpay. Plain and simple. You'll see the majority of advertisements focus on helping customers save money. $300 billion a year spent on advertising proves this to be the case. Companies want to keep saving money front of mind, and when it comes to saving money, they want to stand out ahead of the competition to bring that buyer in-house versus going with someone else.  For the consumer, the big question, am I paying too much? Trusting the companies that advertise to them isn't the best strategy. Never treat good marketing as equali...

  Whether you live in Wenatchee or not, we think it's great when we hear from Washington homeowners and learn they do not carry a mortgage on their home. This usually falls in the range of a third of the Washington state population. That is a great situation to put yourself in, and we know it's not easy getting there unless you received the house as a gift from your late great Uncle. We'll get questions from folks in this situation about whether or not insurance is required at this point. That's a valid question. Why would someone want to pay a premium for insurance on a home if they aren't required to do so? It just so happens, Washington law does not mandate a homeowner as required to carry insurance on their mortgage-free home.  So, what about those who do carry a mortgage? Do you have to have home insurance in Wenatchee? What About Mortgage? The majority of the Washington population does carry a mortgage and we are required to carry home insurance. You ...

Let's cover those parts. It is almost time for the Apple Blossom and the ClassyChassis . There are options when insuring a classic, whether it is parts in a garage, a rat road, a daily driver or a show car getting ready for a Barrett-Jackson Auction , you have options. We have a couple of different companies that we work with, and we can even insure trailers and memorabilia for enthusiastic collectors. When you are ready to quote.  Car Shows are special. When insuring a classic car like a Classic Car, you may need to purchase specialty car insurance that is specifically designed for antique or collector cars. This type of insurance can offer additional coverage options, such as coverage for spare parts, restoration costs, and diminished value. It's also important to note that the value of a classic car can vary widely depending on its condition, rarity, and other factors. As such, you may want to consider obtaining an appraisal of the car's value to ensure that you hav...

We created Wenatchee Insurance from the ground up. It's our home and we wanted to offer a variety of companies to help out during the hard market . A Hard market is where rates rise and coverages may be more difficult to find. With the local fire loses in recent years and the national catastrophes we are seeing price increases in the marketplace during renewals .  You may be familiar with part of the team, as they have worked on Suzie Health Solutions for nearly a decade with Health and Medicare.  We basically took what we learned about the toughest market, health insurance and started applying it with homes, autos and businesses. We put everything under one roof to make it easy for folks .  How to reduce the cost of insurance. 1. Take a defensive driving course. AARP offers an online course for older drivers.  2. Increase your deductible. The question to ask is how much do you want to pay out of pocket before you want insurance to cover an incident.  3. Ask a...