When should I add my teen driver to my auto insurance policy?

If you live in Spokane, WA, and have a teenage driver in the house, you may wonder when the right time is to add them to your auto insurance policy. Western Insurance Associates has answers.

Let’s discuss when you should add your teen driver to your policy. If your child has a learner’s permit and occasionally drives your car with you present, it’s not required that you add them to your policy. However, if they have their license and will be driving without you present, it’s time to add them to the policy. 

It’s also important to note that even if your child only has a learner’s permit and doesn’t drive very often, it’s still a good idea to list them on your policy. That way, if they have an accident while driving your car (with or without you present), they’ll be covered by your insurance. In Washington, car insurance companies can’t refuse to insure you or charge you more just because you have a teenage driver in the family.

Adding a teen driver to your auto insurance policy can be daunting, but it doesn’t have to be. Remember that in Spokane, WA car insurance companies can’t refuse to insure you or charge you more just because you have a teenage driver in the family. It isn’t required if they only have their learner’s permit and don’t drive very often, but it’s a good idea. If your child has a license and is driving without you present, it’s time to add them to your policy. Contact Western Insurance Associates, and we can answer all your questions.

What is the value of having an umbrella insurance plan in Spokane?

If you live in the Spokane, WA area, it is vital that you properly assess all of your personal insurance needs. One type of risk that you will want to make sure is covered by insurance is your risk of liability. One way to reduce this risk is by getting a full umbrella insurance plan. There are various reasons why you should consider getting this type of insurance coverage here. 

Reduce Risks of Major Liability Claim

You will want to have an umbrella insurance plan in this part of Washington to reduce the risks of a major liability claim. You are bound to have some liability coverage in your home or auto insurance policies. However, those policies have coverage limits, and a significant claim could exceed your coverage. An umbrella insurance plan will provide additional support on top of those plans. 

Coverage for More Risks

An umbrella insurance plan is also a good option as it can provide additional coverage for more risks. Various liability risks are not covered by a home or auto plan. If you do not have an umbrella insurance plan, you will not have coverage for those risks. Fortunately, umbrella coverage is broad and covers most situations that could result in a liability claim.

If you want an umbrella insurance plan and are in the Spokane, WA area, it would be helpful to call the team with Western Insurance Associates. There are a lot of important choices to make when looking for insurance here, and Western Insurance Associates will offer any support you need to select your following policy. This can help ensure you have appropriate coverage at all times. 

Recreational Insurance for Your Family Vacation

If your family plans to take a vacation soon, you may want to consider purchasing recreational insurance if you plan to take an RV. If you have an RV or plan to rent one, you may have potential risks that exceed the level of protection currently in place. Western Insurance Associates’ expert team, serving Spokane, WA, is ready to assist you. 

Recreational Insurance

Recreation insurance provides extra protection that your current coverage doesn’t offer. There may be a risk of additional losses that this insurance can cover, which gives your family peace of mind while out on the road. Are you currently insured or plan to have insurance but don’t know if you need recreational insurance to give the right level of coverage? Our agents can help. 

We are experts who can carefully assess current needs and offer recommendations that suit each customer’s situation. If you need recreational insurance, we can provide policies that match your coverage requirements and give you the security you want while traveling in your RV. No more wondering if you have enough insurance to replace or repair belongings if there is a covered event. 

Our agents can also help you file your documentation and submit all the necessary forms to ensure you have coverage before leaving. They also help with any adjustments or submission of claims. We believe in complete service before, during, and after an insurance purchase. 

Reach Out Today

If you live in or near the Spokane, WA, area and plan to take a family vacation in an RV, you should visit us to find out how we can help with top insurance coverage that protects your investments and more. We are ready to help provide a wide range of coverage for our customers, including recreational insurance. Stop by or call Western Insurance Associates today. 

What Does it Mean When It Says Renters Insurance Covers Living Expenses?

Here at Western Insurance Associates, serving the greater Spokane, WA area, our team can help you get the insurance products and coverage you need. One of the products that we are pleased to offer to our customers is renters insurance. Unfortunately, we have found that many renters have questions about insurance, including the common language used in these policies. Here are two questions you may have about renters insurance and the answers.  

What is Renters Insurance?

Renters’ insurance helps to protect you against damage done to their belongings in a rental dwelling, while also covering their living expenses if the space they are renting becomes uninhabitable due to an unexpected event. Many renters think that the owner’s homeowners insurance policy will cover their belongings, but homeowners insurance policies do not cover renters. 

What Does it Mean When It Says Renters Insurance Covers Living Expenses?

When a renters insurance policy states that it will cover living expenses, it means that the policy will help ensure you have a roof over your head if an unexpected event, such as a fire or a pipe bursting, prevents you from living in your rental home. The policy will pay the difference between your current rent and the reasonable cost of a short-term rental until your rental home is repaired or you find a new rental home to live in. 

If you rent a home, an apartment, a condo, or even a room in someone else’s house, you should have renters insurance. If you do not have renters insurance or are unsure if you have enough coverage, let the team at Western Insurance Associates, serving the greater Spokane, WA area, assist you. Call us today to get started. 

Why Every Boater Needs Boat Insurance

Every state has laws about which insurance policies are required, including boat insurance. In Washington, there is no state requirement that you must have boat insurance, but it’s often necessary for taking your boat onto certain bodies of water. It’s also best to have it in case of accidents and to protect yourself against liability. If you have a boat and need insurance for it, call Western Insurance Associates in Spokane, WA to get started.

Insurance Coverage for Accidents

It’s not uncommon for collision accidents to happen when boats are on the water. If you have an accident with another boat or another watercraft, and you are at fault for the accident, you will owe all of the due expenses. This can be highly expensive if you don’t have boat insurance, and it can mean a lot of financial hardship. Without boat insurance, you are open to lawsuits and having judgments made against you. When you have boat insurance, you will also have peace of mind that you are covered in case of an accident. 

Comprehensive Boat Insurance

There are different types of coverage for boats, one of which is comprehensive coverage. This insurance covers your boat against other risks to it outside of accidents that happen on the water. This may be a wide range of risks that can cause damage to your boat. There is also property damage coverage, a type of coverage that pays for items that are lost during an accident. 

Get Boat Insurance

When you own a boat, it’s important to cover yourself with boat insurance. Your boat is a significant investment, and it needs to be covered. If you’re in Washington, call us at Western Insurance Associates in Spokane, WA to get started with a boat policy of your own. 

Who should get an auto insurance plan in Spokane?

Owning a car in the Spokane, WA area is always a good idea as it will allow you to get around the community more efficiently. If you are in the market for a new vehicle here, getting a proper insurance plan would be wise. There are various situations when someone in this part of the state should get a full auto insurance plan.

Those that Want to Drive Legally

A situation when someone will want to get this coverage in Washington is when they want to drive legally. There are various laws surrounding the need to carry insurance in this state. All drivers must maintain a liability insurance plan that meets the state minimum insurance requirements. Without this coverage, you could be penalized and will not have proper support. 

Those with a Loan Outstanding

You will also want an auto insurance plan in this area if you have taken out a loan. Taking out a loan today can be a good idea as it will allow you to finance the purchase of the car over time. As long as the loan is outstanding, you will have to abide by the loan agreement. This will typically require you to carry a full collision and comprehensive plan.

Ensuring that your vehicle is adequately insured in the Spokane, WA area is very important. Once you are ready to start looking for coverage in this region, you will want to call the team with Western Insurance Associates. The insurance team with Western Insurance Associates can offer you any support needed to understand your options and build a plan. This can help ensure you comply with any requirements and that your car is adequately covered. 

Is Umbrella Insurance for the Super-rich Only?

Your typical liability coverage covers you when accused of causing bodily injury or property damage to someone else. For instance, if your dog bites someone or you crash into someone else’s gate, your conventional liability coverage should cover this. Unfortunately, your car or home liability insurance can only cover you up to a certain limit. Beyond there, you have to go back to your pocket.

Luckily, if you have invested in umbrella insurance from Western Insurance Associates, it covers you when the limit of your underlying liability coverage is exhausted. But is umbrella insurance for those who have amassed wealth only? If you are curious to find out the answer, keep reading.

Is umbrella insurance for the rich and famous only?

The truth is that if you are super-wealthy, you need umbrella insurance to protect your assets. For instance, if you cause an accident, and someone notices you are famous, they may be motivated to sue to get financial compensation.

While high-net-worth individuals need umbrella insurance, it doesn’t mean you shouldn’t purchase this coverage. America is a highly litigious country, and everyone is at risk of a lawsuit. You may not be super-rich, but because you are a board member of a charity organization, you can be sued. In the US, you can be sued even for the flimsiest reasons, and that is why you need umbrella insurance on your side.

Who needs umbrella insurance the most?

The rule of thumb is that if you earn a livelihood, invest in umbrella insurance. But since some people are at more risk of being sued, umbrella insurance becomes a must-have policy ASAP. You need umbrella insurance today if you:

  • Own a business
  • Own a dangerous pet
  • Participate in high-risk activities like arching
  • Own a rental property, home, or vehicle

Need umbrella insurance in Spokane, WA? Please contact Western Insurance Associates for a policy that meets your needs.

 

Auto Insurance FAQ

Your car insurance is one of your most important expenses each month. You want to make sure you are making the best choice when it comes to an insurance provider. At Western Insurance Associates serving Spokane, WA, and the surrounding areas, we can help you better understand this insurance product so that you can make the best insurance choices. Here we will provide answers to our auto insurance FAQ. 

Is Auto Insurance A Big Deal?

Auto insurance is required by law to operate your vehicle legally. You can face serious legal consequences if you do not carry at least the legally required minimum of coverage. 

In addition to legal considerations, there are also financial factors that you should consider. If you do not carry adequate insurance, you could find yourself financially responsible for repairing or replacing your car in an accident. This could pose a financial challenge. 

Which Type of Coverage Do I Need?

Auto insurance provides the following two types of coverage:

  • Full Coverage– This type of coverage will pay for damage and medical bills that could result from a car accident or other claim event. This will pay for expenses for your vehicle and other vehicles or drivers involved. 
  • Liability Coverage– Liability coverage will only pay for expenses for another vehicle you caused damage to.

It is recommended to carry full coverage on your vehicles. This will protect you in any situation in which expenses occur. 

If you would like to learn more about auto insurance or any of our other insurance products, don’t hesitate to contact us at Western Insurance Associates serving Spokane, WA, and the surrounding areas.

Commercial Umbrella Insurance vs. Excess Liability Insurance

You may have heard the terms commercial umbrella insurance and excess liability insurance used synonymously. However, they do not refer to the same type of policy.

Understanding the Differences

While they may sound like similar products, it is important to understand the difference between excess liability insurance and commercial umbrella insurance. Excess liability insurance is designed to activate when a general liability insurance policy has reached its limit and only provides additional coverage for that particular policy. Commercial umbrella insurance activates when one of several liability insurance policies reaches its limit.

You may get a broader range of liability coverage with a commercial umbrella insurance policy for incidents that are not covered by your underlying insurance policies. It is crucial to take the time to read over your policy. The agents at Western Insurance Associates of Spokane, WA will work with you to make sure you understand what is covered and what is not covered by the policy that you choose.

When Do You Need Commercial Umbrella Insurance?

You can apply commercial umbrella insurance to general liability, employer’s liability, or commercial auto insurance policies. These are some of the most important policies that you can purchase to protect your business from unexpected financial loss. When you include additional coverage that kicks in once these policies have reached their limit, you reduce the risk of your business going bankrupt.

Excess liability insurance and commercial umbrella insurance are both created to offer an additional layer of protection that goes further than a primary insurance policy. If you are interested in an umbrella insurance policy or think an excess liability insurance policy is right for your small business, contact Western Insurance Associates of Spokane, WA for more information.

The differences between commercial umbrella insurance and excess liability insurance are not always clear. Give us a call today and we will review the details with you.

Why You Need Insurance on Your Recreational Vehicles

Purchasing an RV can be extremely exciting, as it opens up the possibility of traveling in the comfort of a home. However, prior to taking your RV on the road, you will need to properly insure your recreational vehicle. As a Spokane, WA resident, you may wonder why RV insurance from a professional insurer like Western Insurance Associates is so important. Keep reading to find out why.

Why Does RV Insurance Matter?

RV insurance will protect your recreational vehicle from damage at any given time. When your RV is stored in the yard, it may be protected by your home insurance policy. However, when it is being used, you will require a separate policy to ensure you are properly protected from various incidents.

In some states, an RV insurance policy is required. Further, some campgrounds may require that you show proof of insurance before being allowed to stay. Otherwise, you will be unable to stay on their property.

How Are Coverage Amounts Determined?

The type and amount of RV coverage that you invest in will primarily be affected by the type of recreational vehicle you have. For instance, if you purchase a bus or motorhome, you want to ensure you have sufficient coverage to protect the engine, vehicle components, and living quarters. If you have a towable camper, protection for the living quarters may suffice.

Regardless of the type of recreational vehicle you buy and insure, you want to ensure that your insurance coverage is enough to protect the RV’s full value, any personal belongings, furniture, equipment, etc.

If you have questions about RV insurance in Spokane, WA, don’t hesitate to reach out to us at Western Insurance Associates.