Home Insurance

Proactive home maintenance is one of the best ways to prevent expensive insurance claims and keep your property in top shape. Here’s a breakdown of common maintenance projects that help you avoid damage (and the claims that follow): 1. Roof Maintenance Inspect annually for missing, curling, or damaged shingles. Clean gutters and downspouts to prevent […]

What is social inflation? In short, social inflation refers to the phenomenon where the cost of insurance claims (especially liability claims) rises faster than general economic inflation, driven by legal, societal, and behavioral trends rather than just price increases in goods or services. eforum.casact.org+3NAIC+3Swiss Re+3 Some of the drivers include: Larger jury awards (including “nuclear […]

Insurance fraud raises costs for insurers, and those costs get passed on to honest customers through higher premiums, stricter underwriting, and fewer discounts — plus if you are found to have committed fraud, your rates will go up a lot (and you can also face denial of claims, cancellation, fines, or criminal charges). How fraud […]

Umbrella insurance is essentially extra liability coverage that kicks in after you’ve exhausted the limits of your auto, homeowners, or other primary liability policies. Here’s why many people choose to carry it: 1. Protects Against Large Lawsuits If you’re ever sued for causing injury, property damage, or personal harm (like libel or slander), judgments can […]

Winterize your home or business now to avoid costly damage and insurance claims Freezing temperatures, ice, snow, and wind can wreak havoc on homes and businesses that aren’t properly prepared. Fall is the ideal time to take simple, preventative steps that can save thousands of dollars in repairs when winter storms hit the Pacific Northwest. […]