Should all people get an umbrella insurance plan?

Maximize Your Personal Liability Protection with Umbrella Insurance in Spokane, WA

For residents in the Spokane, WA area, managing and enhancing personal insurance needs is critical. Investing in umbrella insurance is one of the most effective ways to augment your personal liability protection. Here’s why it’s beneficial to have an umbrella insurance policy in this part of Washington:

1. Shield Against Serious Claims

An umbrella insurance policy in this region helps you protect yourself against potential large-scale liability claims. Accidents in Washington can lead to serious liability cases, and while homeowners or auto insurance can provide some coverage, their policy limits may not extend far enough. An umbrella insurance plan offers the assurance of additional support above and beyond your existing policies.

2. Broad Spectrum of Coverage

An umbrella insurance plan is also appealing because it offers extensive coverage. Liability risks are omnipresent, and some can catch you off guard. While home or auto insurance plans are restricted in their coverage capabilities, umbrella insurance provides overarching protection against virtually any form of personal liability claim.

Ensuring you have an umbrella insurance plan in the Spokane, WA region is always advantageous. This type of coverage caters to various scenarios and equips you with coverage if you face a personal liability claim. So, when you find yourself navigating the insurance market, reach out to our knowledgeable team at Western Insurance Associates. We specialize in offering well-rounded advice and will be more than happy to assist you in crafting the perfect policy.

Spokane Adventurers Stay Safer with Essential Recreational Insurance Coverages

If you’re looking for easy ways to secure your travel adventures, Spokane, WA recreational vehicle owners find solace in exploring the open road with insurance. Adventurers can stay safe when they secure their ride with recreational insurance from Western Insurance Associates! 

What Recreational Insurance is and Why You Need it in Spokane

Protect your RV and other recreational vehicles with insurance whether you’re cruising along the scenic byways of Riverside State Park or camping beside the Spokane River. Adventurers get peace of mind in knowing they have comprehensive insurance coverage that can help cover the costs of accident-related damages and non-collision-related incidents. 

Local adventurers can opt for basic recreational insurance, which adds basic coverage for liability and bodily injury claims. Extend the limits of your policy with comprehensive coverages that can protect your recreational vehicle, passengers, and valuable contents. 

Comprehensive coverage ensures that your recreational vehicle is covered for damages related to accidents, thefts, vandalism, natural disasters, and other custom coverages. A knowledgeable agent at Western Insurance Associates can talk to you about the benefits of recreational insurance and provide options for policy discounts and add-ons like emergency roadside assistance. 

Recreational Insurance Quote – Spokane, WA

The first step to starting a recreational insurance policy is to talk to a trustworthy insurance agent to learn more about your coverage options and provide details about your driving history. 

Western Insurance Associates in Spokane, WA, understands the unique needs of local adventure enthusiasts. Our licensed and knowledgeable insurance agents can help you choose the best coverage options for your recreational vehicle and provide you with a free quote. 

Please don’t wait until it’s too late to get adequate insurance coverage and protect your adventures. Contact a friendly insurance at and get a free quote today! 

Navigating the Waves: Understanding Boat Insurance for Smooth Sailing

In Spokane, WA, Western Insurance Associates is your go-to partner for navigating the intricacies of insurance. Today, let’s set sail into the world of boat insurance, uncovering the essentials for smooth and secure maritime journeys.

Why Boat Insurance Matters:

  1. Property Protection: Boat insurance from Western Insurance Associates safeguards your vessel against a myriad of risks, including accidents, theft, and natural disasters, ensuring your investment is secure on and off the water.

  2. Liability Coverage: Accidents happen, even on the open water. Boat insurance provides liability coverage, protecting you financially if you’re responsible for injuries, damage to other’s property, or legal fees.

  3. Specialized Coverage: Western Insurance Associates in Spokane, WA, offers specialized coverage options catering to the unique needs of boat owners. Whether it’s coverage for fishing equipment, personal belongings, or towing assistance, we’ve got you covered.

Navigating the Waves: Tips for Boat Insurance Success:

  1. Assess Your Coverage Needs: Evaluate the value of your boat and determine the coverage needed for comprehensive protection. The experts at Western Insurance Associates can assist in tailoring a policy to suit your specific needs.

  2. Understand Liability Limits: Grasp the liability limits of your boat insurance policy. Western Insurance Associates ensures you understand the extent of your coverage, preventing any surprises in the event of a claim.

  3. Explore Discounts: In Spokane, WA, our team can help you uncover potential discounts, such as safety course completion or bundled policies, making boat insurance more affordable without compromising coverage.

Embark on worry-free maritime adventures with boat insurance from Western Insurance Associates in Spokane, WA. Call us today to ensure your vessel is protected and your sailing experiences are smooth and secure. Call us today to obtain an estimate for a new boat insurance policy.

Is It Ever Worth It to Add Insurance for an Individual Car Part or Component in Spokane, WA?

Auto insurance in Spokane, WA helps financially cover you and your vehicle against the costs associated with accidents and other situations. However, your car may have a part or component that, for some reason, has a price beyond what your insurance can cover. At Western Insurance Associates, we believe it’s in your best interest to have the necessary coverage for such parts and components. Here’s why it’s important.

The Whole Vs. The Part

What kind of part or component might need additional coverage? If the cost of repairing or replacing a particular part is higher than average, it would be wise to consider obtaining additional coverage for that specific part or component.

While your auto insurance policy provides vehicle coverage, you may have additional components not typically included in your car’s standard package. For example:

  • Specialized, custom-built, or aftermarket parts
  • Very expensive components, such as a very high-end or custom stereo system
  • Rare, unique, or irreplaceable parts or components
  • Expensive but easily damaged parts or components

You might want extra protection for a part or component for your peace of mind, regardless of its resale value.

Balancing Costs against Peace of Mind

Understand that insuring individual parts isn’t always a necessity. Adding coverage increases your premiums, so looking at the big picture when insuring individual parts is important.

Some things to think about include:

  • The actual monetary value of the part or component.
  • The risk factors associated with the part or component.
  • Your budget and financial comfort with paying for additional insurance.

You can and should work with your auto insurance company in Spokane, WA to figure out the feasibility of additional coverage. If in doubt, we’re here to help you look at the math, assess your risk, and give you an informed auto insurance recommendation. If you have questions about insuring individual car parts or components, contact Western Insurance Associates to learn more.

Four things you might not know about umbrella insurance

Enjoy total insurance protection with an umbrella insurance policy. Umbrella insurance coverage is essential for consumers in Spokane, WA, who want to prevent financial losses due to liability issues. At Western Insurance Associates, we can provide you with the information you need about your insurance needs.

Here are four things you might not know about umbrella insurance.

Umbrella insurance can protect your net worth.

When consumers buy umbrella insurance, it is suggested that they buy enough coverage to equal their total net worth. This means that an umbrella insurance policy should cover a consumer’s total net worth and thereby protect all the assets that the consumer has been accumulating throughout their life. 

Umbrella insurance can protect you from expenses you may face as a pet owner.

Some pet owners might be at increased risk of experiencing a lawsuit. Umbrella insurance can cover costs that result from injuries that are caused by a policyholder’s pet. 

Umbrella insurance can offer coverage for your whole family.

You might be surprised to learn that an umbrella insurance policy doesn’t only cover the liability expenses that the policyholder faces. Umbrella insurance can actually cover liability expenses for the policyholder’s entire family in many situations. 

Umbrella insurance can cover you if you’re involved with a non-profit.

Umbrella insurance can cover the policyholder for various types of organizations with which the policyholder may be involved. For example, umbrella insurance can cover the policyholder for liability expenses due to involvement with a non-profit organization. 

Are you seeking more information on umbrella insurance options in Spokane, WA? Get a quote on an umbrella insurance policy by calling us today at Western Insurance Associates

What Exactly Does Recreational Insurance Cover?

If you own a recreational vehicle, you’re probably very proud of your accomplishment. Buying an RV can sometimes be very expensive and sometimes cost as much as a house. With such a costly investment, you certainly want to ensure that you have it adequately insured, but you might wonder what exactly recreational insurance covers. Here is an overview to give you a better understanding of what this type of insurance covers.

Damage & Liability 

RV coverage will cover repairing or replacing your RV if you’re ever in a car accident. Also, like regular auto insurance, RV insurance covers any liability. This means that if you’re ever involved in an accident while driving your RV, and you’re found to be at fault, your insurance will pay to have the other person’s vehicle repaired or replaced. It will also cover the other driver’s medical bills, if necessary. 

The Specifics

Here is a list of what your RV insurance should cover so you will know what to expect if you ever need to file a claim. 

  • Travel trailer insurance
  • Personal items inside the RV
  • Emergency expenses if you’re in an accident or experience a breakdown
  • Emergency roadside assistance
  • Replacement if your RV is damaged beyond repair
  • Any damage incurred while the RV is in storage

Now that you know precisely what recreational insurance covers, you should consider Western Insurance Associates if you’re in the market for a new RV insurance provider and a Spokane, WA resident. We at Western Insurance Associates have been providing top-notch service and coverage to customers for over 100 years. Call us today, and one of our knowledgeable agents will happily provide you with a quote. 

Adding Riders to Your Renter’s Insurance for Comprehensive Coverage

In earlier blogs, Western Insurance Associates provided a general introduction to renter’s insurance. In this article, we’ll cover the riders you can add to a renter’s insurance policy to protect the items in your Spokane, WA leased home.

It also protects items that exceed the value of the coverage limits. Adding a rider can cover the amount exceeding the standard policy’s coverage limit. This method ensures you don’t have to pay out of pocket for a loss.

What Can You Add?

The riders, also called endorsements or schedules, cover various items. You can cover expensive jewelry items with an endorsement or hobbyist equipment like a professional 35mm camera. You can also insure a collection, such as guitars or basses, by using a rider for renters insurance.

Other types of endorsements protect all of your belongings, such as a drain and sewer backup rider. If the sewer backs up and floods your rented home, this rider covers replacing your damaged belongings.

You can add a rider to cover nearly any type of equipment or collectible item or items. This includes items you only need temporary coverage for, such as an engagement ring—some riders you can obtain for a limited time.

Contact Western Insurance Associates Today

If you’re curious about what you can protect with riders, contact Western Insurance Associates. Let us discuss the items you want to protect in your rented Spokane, WA home and help you choose the riders that will fully protect your belongings.

Does boat insurance cover my boat off the water?

Your boat insurance policy from Western Insurance Associates covers your watercraft at all times and in all situations. On the water, on a trailer, in dry-dock in Spokane, WA, or anchored in a marina. Let’s consider the most commonly asked scenarios.

What does boat insurance cover on the water?

On the water, this policy covers structural damage to your boat, personal property damage, and liability. Your boat policy’s liability provision provides bodily injury coverage and property damage coverage, so if you cause an accident on the water, your insurance policy protects your finances. It pays the court settlement and hospital bills for those injured in the accident up to your policy limits.

Does my boat insurance cover damage if it falls off the trailer?

Unforeseen circumstances can lead to accidents on the way to a body of water or coming home from one. Even if you have a single-vehicle accident and your boat on its trailer incurs damage, your boat policy covers the damage repairs.

Does boat insurance protect my boat in dry-dock?

When you move your skiff to dry-dock for the winter, your hard-working boat insurance keeps on protecting your finances. Whether a fire occurs at the dry dock or a winter storm damages the facility and your schooner, your boat policy ensures that you won’t need to pay out of pocket for dam repairs.

How does a boat policy protect my boat moored in a marina?

While anchored in your slip at the marina, your boat policy provides the same property protection and liability coverage as when you take it out onto the water. The liability component protects your financial security if someone has a slip-and-fall accident while you host a fish fry or dinner party.

Contact Western Insurance Associates Today

Contact us today to protect your boat with one of our boat insurance policies. Our policies offer round-the-clock protection for your watercraft.

Driver Responsiblities

It is easy to start thinking of driving as a right we all have, but in reality, driving is a privilege that we must all earn through proper education and compliance with safety laws. Here at Western Insurance Associates, serving Spokane, WA, and the surrounding areas, we want to help our clients stay safe on the road. Keep reading to learn more about drivers’ responsibilities. 

Stay Properly Insured

One of your most important responsibilities as a driver is to stay adequately insured. Insurance coverage is not simply a good idea, it is a legal requirement to operate a vehicle on the road. You will face legal consequences if you fail to keep proper insurance in place. These consequences can result in license suspension, termination, and fines. This can have a significant impact on your life. 

Driver Education 

It is also your responsibility as a driver to get proper driver education on how to operate a vehicle effectively and safely. This does not necessarily mean you must take a driver’s course, but it does mean that you must invest the necessary time into learning how to drive well. Taking a driver’s course can be very helpful, but working with a trusted friend or relative can work just as well. 

Sober Undistracted Driving 

As a driver, it is always your responsibility to practice sober/undistracted driving. This is not only a legal responsibility that you have but also an ethical one you have. When you get out on the road, you take on a little responsibility for every other driver and pedestrian you encounter. Take this responsibility seriously, and never drive intoxicated or distracted. 

To learn about auto insurance, contact us at Western Insurance Associates, serving Spokane, WA, and the surrounding areas.   

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.