How much umbrella insurance do I need?

Knowing how much umbrella insurance coverage is right for you is essential. Western Insurance Associates can help you determine the amount of coverage that best suits your needs. An umbrella insurance policy provides extra liability protection beyond what your primary policy offers. It helps protect assets and income if you are liable in a lawsuit in Spokane, WA.

It does not replace other types of policies, such as homeowners insurance or automobile insurance. Instead, it offers additional protection if you get sued above your policy. If you only have $100,000 in coverage, for example, and are facing a $200,000 lawsuit, you could be on the hook for the extra $100,000.

At Western Insurance Associates, we offer various options so you can find a policy that meets your specific needs. We will consider factors such as the value of your property, the amount of liability coverage provided by other policies, and any special requirements you may have. The experts at Western Insurance Associates will work with you to ensure you get the most out of your coverage.  

We will also explain any restrictions and exclusions that may apply to the policy. This way, you can make an informed decision about your coverage and feel confident knowing you are getting the best protection available. With Western Insurance Associates, you can rest assured that your assets and income are protected in case of a lawsuit or accident here in the Spokane, WA area.

Contact us at Western Insurance Associates today to discuss how much umbrella insurance coverage is right for you and your family. We are proud to serve the Spokane, WA area.

Does Everyone Need Health Insurance?

Health insurance has been a big point of debate for the last several years. With health insurance costs rising and plans generally hard to navigate, people are starting to wonder if they even need health insurance at all. At Western Insurance Associates, serving Spokane, WA, we are here to help you figure out these and other insurance questions. 

Does Everyone Need Health Insurance?

Everyone does not need the same type of health insurance, but to one degree or another, everyone should have some form of health insurance in place. This reason is that you can never predict the future. Even if you are healthy, you can never know when an accident will strike, which might rack up extreme medical bills. You also can never be sure when or if you might become ill in the future. This is why some form of health insurance is a good idea for everyone. 

What Type of Plan Do I Need?

Health insurance gets confusing because many different types of coverage plans are available. The reason there are different types of plans available is that different people have different health needs. The best way to figure out what you need will be to sit down with an insurance representative. These professionals know the ins and outs of different types of coverage. They can help you make this important decision. 

If you want to learn more about health insurance, please get in touch with us at Western Insurance Associates, serving Spokane, WA, and the surrounding areas. We will happily answer your questions and help you find the right policy for your needs. 

What is Third-Party Auto Insurance and Why Should You Get One?

Your car is an asset but can become a liability in an accident. This can be the case, especially if you live in Spokane, WA, and have caused an accident. Without good insurance coverage, you must pay for all the damage you cause the other party. That’s why at Western Insurance Associates, we provide third-party auto insurance coverage to cover damages that you are involved in. This will ensure you don’t suffer financial loss when your car is involved in an accident.

Why You Should Get Third-Party Auto Insurance 

If you are in Spokane, WA, there are many benefits that you can gain from getting third-party insurance. One of the key benefits is you will be able to avoid penalties and fines imposed by the motor vehicle act. Further, you enjoy protection against the suspension of your driving license. 
Accidents are unpredictable, and they can happen at any time. When your car causes damage to a third-party vehicle, physical injury, and personal property, you will be responsible for the financial loss that individual suffers. However, with auto insurance, you get financial security as you will cover all the damage caused. 

The premiums for the third party are affordable and provide legal protection from the time-consuming legal hassle. If you are uncertain about how to make claims and get the cover, always contact us for more information. From a legal perspective, third-party insurance is sufficient to cover all the damage and ensure you fulfill the motor vehicle Act’s requirements.

Call West Insurance Associates Today

You must secure your car and fulfill your legal duty by taking the third-party policy. Contact us today at  Western Insurance Associates to get your third-party auto insurance coverage. Our coverage will ensure you don’t get stressed while driving. With years of experience, we offer great customer service and ensure all your needs are covered.

When does umbrella insurance kick in?

Umbrella insurance is a form of personal liability insurance that covers your assets in the Spokane, WA area and everywhere else beyond the limits of your traditional home and auto insurance policies. It can provide additional coverage against claims that could otherwise be financially devastating.

When exactly does umbrella insurance kick in?

Typically, umbrella insurance kicks in when the liability limits on your other policies have been exhausted. If you are sued or held liable for damages, your regular insurance will cover up to its limit, and the umbrella policy will pay over and above that amount. This extra coverage can be essential in protecting your assets from being wiped out by one major incident.

Umbrella policies may offer broader coverage than traditional policies, protecting a wider range of incidents, including libel, slander, false arrest, malicious prosecution, and more. Additionally, these policies usually don’t come with deductibles like other types of insurance do. 

When deciding whether or not you need umbrella insurance, looking at all the factors involved is essential. Consider the value of your assets and whether you could cover them if something unexpected happens. It would be best to consider what extra coverage an umbrella policy might provide should the worst happen.

For more information, or if you have questions about your policy, give us at Western Insurance Associates a call today. We proudly serve the Spokane, WA area and would gladly get you a policy that suits your needs. 

What is recreational insurance? What do I need it for?

If you live in Spokane, WA, and you’re outdoorsy, chances are you own some recreational vehicle or equipment. Whether it’s a snowmobile, ATV, camper, boat, or something else, having the right insurance coverage for your recreational vehicle or equipment is essential. Western Insurance Associates explains recreational insurance and why you need it in this post. 

What is Recreational Insurance? 

Recreational insurance is a type of insurance policy that covers any recreational activity or vehicle that you may use for leisure purposes, such as camping, boating, snowmobiling, and more. It can provide coverage for physical damage to property and liability coverage in case someone is injured while using your recreational vehicle.

Why Do I Need It? 

Having the right kind of recreational insurance can be essential in giving yourself peace of mind when enjoying outdoor activities. Not only does it protect your property from physical damage, but it also provides financial protection if an accident results in injury or death.

Additionally, some policies will cover loss due to theft or vandalism, and emergency roadside assistance should your vehicle break down while on a trip. 

Recreational insurance can also help prevent financial ruin due to medical costs if someone gets hurt while using your recreational vehicle or equipment. Medical bills can add up quickly, so having the right coverage can help protect you from incurring out-of-pocket costs. 

If you own any recreational vehicle or equipment in Spokane, WA, having the right recreational insurance is essential. If you still have questions, contact Western Insurance Associates for more details. We’re here to help.

Why All Boaters Need Boat Insurance

If you are the owner of a boat, there is a lot that you need to stay as safe as possible. One way to protect yourself is to have a boat insurance policy. These policies can save you from financial harm when something goes wrong with the boat. All boat owners need boat insurance to protect them financially against a range of problems that can occur when you’re driving your boat and when it’s on land. While Washington doesn’t require this insurance, it’s essential to have it for your protection. Call Western Insurance Associates in Spokane, WA to get started with a policy.

Getting Into a Boating Accident

When you’re out on the water, it’s always possible to have a boating accident. Just as with traffic on land, traffic on the water has accidents. When you get into an accident judged to be your fault, you would be responsible for paying for the property damage and medical bills afterward. When you have boat insurance, the policy can pay for those bills, which can be enormous. Being covered by a policy will give you more peace of mind when you’re boating because you know that problems will be taken care of. 

Types of Boat Coverage

When you get boat insurance, it’s much like getting auto insurance. There are various types of coverage, and each protects you differently. Having liability coverage for bodily injury and property damage is an excellent way to protect yourself in case you cause an accident. You can also get other types of coverage, such as comprehensive coverage that covers your boat against other dangers that can happen to it while it’s on land. 

Call Western Insurance Associates in Spokane, WA to get your boat insurance.

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.