Spokane residents who own a secondary property are sometimes caught unawares if they don’t know that the policy for their primary property doesn’t give them the coverage they need for additional ones. You need a separate liability policy and umbrella insurance for the second property, even if it’s a rental or a place you picked up as a long-term investment. <\/p>\n
What Is Umbrella Insurance? <\/p>\n
Umbrella insurance is a cushion on top of your other policies that picks up where liability limits stop. This means if someone gets hurt on your secondary property and the claim goes over your limits, umbrella insurance kicks in to cover the damages. If you’re not sure what umbrella insurance covers, someone at Western Insurance Associates is happy to answer your questions. <\/p>\n
What Umbrella Insurance Actually Does for Property Owners<\/p>\n
Washington is an at-fault state. What this means is that if you’re found responsible for an injury to someone or damage to their property, you can be sued for the full amount. Even if it’s a lot more than the limits on your policy. When you have more than one piece of property, you’ve got double the risk. <\/p>\n
Umbrella insurance gives you peace of mind knowing that you’ve got the coverage you need in a worst-case scenario. <\/p>\n
Spokane, WA Weather and Climate Add Another Layer of Risk<\/p>\n
If you’ve lived in Spokane for a while, you know how challenging and unpredictable the weather can be. Winter storms come with ice and freezing conditions. These make walkways and stairs dangerous for you and anyone who steps foot on your property.<\/p>\n
And then there are the dry summer months and the wildfire risks that come with them. If you’re not at your second property every single day, you might not see a hazard in time to stop it from becoming a problem. That’s when liability can happen. <\/p>\n
Talk to a Professional About Your Risk<\/p>\n
A single homeowner’s policy doesn’t give you all the coverage you need. But with umbrella insurance, you can enjoy that added layer of protection. Get in touch with the team at Western Insurance Associates today to get the peace of mind you need. We’ll go over your policy with you to make sure you’re straight. <\/p>\n","protected":false},"excerpt":{"rendered":"
Spokane residents who own a secondary property are sometimes caught unawares if they don’t know that the policy for their primary property doesn’t give them the coverage they need for additional ones. You need a separate liability policy and umbrella insurance for the second property, even if it’s a rental or a place you picked […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[23,18,27,26,10],"class_list":["post-188","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-insurance","tag-spokane","tag-umbrella","tag-wa","tag-western-insurance-associates"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/188","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=188"}],"version-history":[{"count":1,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/188\/revisions"}],"predecessor-version":[{"id":189,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/188\/revisions\/189"}],"wp:attachment":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}