Insure Washington

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...

Never had anyone ask how cheap their policy was during a claim.   Personal Property and Insurance has several very important values when you are talking with an insurance agent. We go over these coverages at the time of presenting the quote with the client. It gives them the information to make an informed decision. Quote today.   There is Replacement Cost Value is the amount of money it would cost to replace an item with a similar item of like kind and quality in today's market.  RCV is typically higher than actual cost because it takes into account the cost of inflation and the cost of replacing the item with a similar item of like kind and quality.  / Where do you shop? Actual cost is the amount of money it would cost to repair or replace an item with the same item. Insurance companies calculate ACV by subtracting the depreciation from an item’s replacement cost value. This coverage is often cheaper than Replacement cost value. Depreciation is the decrease in...