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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Renters’ insurance is cheap protection.

Young woman getting insurance in Central Washington

We rent an apartment in Wenatchee. We have all the normal stuff, cars, clothes, pots and pans and if we have a fire then we don’t have to worry. We have renters’ insurance because it is cheap in addition to giving me a discount on my car insurance. I wouldn’t dream of going without coverage.

Renters’ insurance is important for several reasons, as it provides crucial coverage and financial protection for tenants. Seriously, your landlord’s policy won’t cover your flatscreen let alone your jeans. Here are four key reasons why renters’ insurance is important:

1.           Personal Property Coverage: Renters insurance protects your personal belongings from loss or damage due to covered events such as fire, theft, vandalism, or certain natural disasters. It helps replace or repair your possessions, including furniture, electronics, clothing, appliances, and other valuable items. Do I want an insurance company to replace my stuff, or do I want to fool around with running a GoFundMe or other crowdsource campaign?

2.           Liability Protection: Accidents can happen anywhere, including your rented home. Renters’ insurance typically includes liability coverage, which protects you if you accidentally cause property damage or bodily injury to someone else. If a guest is injured on your rented property and holds you responsible, renters’ insurance can help cover legal expenses and potential damages awarded in a lawsuit.

3.           Additional Living Expenses: In case your rented home becomes temporarily uninhabitable due to a covered event, such as a fire or natural disaster, renters’ insurance can help cover additional living expenses. It may include the cost of hotel stays, meals, and other necessary expenses while your home is being repaired or rebuilt. When they put out your apartment fire and you are wrapped in a Red Cross blanket, who do you want to pay for the hotel room, to figure out what comes next?

4.           Peace of Mind: Renters’ insurance provides peace of mind by offering financial protection and reducing uncertainty. Knowing that your personal belongings are insured and that you have liability coverage can alleviate worries and allow you to focus on enjoying your living space. In the event of an unexpected incident, renters’ insurance provides a safety net, helping you recover and rebuild without significant financial strain.

Specific coverage and policy details can vary among different insurance providers, so it’s important to review the terms and conditions of any renters insurance policy you consider to ensure it meets your needs with your agent.

simple process for insurance
Wenatchee Insurance simple process

Bundling Options for Motorcycle Operators

Explore the Benefits of Insurance Bundling with Wenatchee Insurance Agency, WA

Are you struggling to keep up with auto, motorcycle, and home insurance payments? Consider the convenience and cost-effectiveness of bundling!

What is Bundling?

Bundling allows you to consolidate your motorcycle policy with your home and auto policies. Instead of juggling multiple policies and payments, you’ll have a single policy with a periodic (monthly, quarterly, or semiannual) premium. All the major companies we represent at Wenatchee Insurance Agency for WA state coverage provide a discounted rate for bundling. Many smaller companies offering policies in the WA state also offer similar options.

How Does Bundling Work?

You can’t operate a car or motorcycle without insurance, so when you sign up for your auto or motorcycle coverage, the insurance company will provide options for insuring additional kinds of property, like an ATV or boat. If you’re a homeowner, you can roll your home, motorcycle, ATV, and boat insurance into a single policy. And if you’re renting, you can bundle your vehicle coverage with a renter’s policy.

The Benefits of Bundling

Bundling isn’t just about convenience, but it also offers substantial savings. Wenatchee Insurance Agency can help you find the most favorable rates for insuring multiple motorcycles. We can potentially lower your deductible when your car and motorcycle are damaged in the same accident and help you switch over your motorcycle coverage from another carrier. We may even find a policy that covers the full replacement cost of your motorcycle, along with an allowance for accessories and customized parts.

Bundling is convenient and can save you money. But to ensure you’re getting the best deal for your motorcycle, car, recreational vehicles, and home insurance, you need the expertise of Wenatchee Insurance Agency. Contact us today for an appointment to discuss the best insurance options to meet your needs.

Can my tribal affiliation affect Healthcare?

If you are an American Indian or Alaska Native, then healthcare was improved by the Affordable Care Act with it’s permanent reauthorization of the Indian Health Care Improvement Act.  It took Matt nearly three years to find the first person that qualified for this program.

The Top Four:

 Here are the top four ways the Affordable Care Act (ACA) benefits Native Americans:

  1. No Cost-Sharing: Native Americans with certain income levels are exempt from co-pays and deductibles when they buy insurance through the ACA Marketplace. We like to print this out because it is radically different than most people are used to.
  2. Special Enrollment Privileges: Native Americans can enroll in health insurance through the Marketplace any time of the year, not just during the standard open enrollment period. If you enroll before the 15th then your plan starts on the 1st of the following month.
  3. Access to More Services: The ACA provides additional funding to the Indian Health Service, improving and expanding available healthcare services.
  4. Coverage for Preventive Services: The ACA ensures coverage for various preventive services without additional costs, which is crucial for maintaining good health.

For the Affordable Care Act (ACA), proof of tribal affiliation typically involves demonstrating membership or eligibility for services from a federally recognized tribe. This can be as simple as uploading your Tribal Membership Card or Tribal Enrollment Records.

The no cost sharing plans mean your only responsibility is paying the premium. There are zero co-pays and zero-deductibles on these plans. If you run into network issues then they can be changed the following month with ease.

Suzie and Matt assist people in understanding and enrolling in health plans without charging any fees. For six years, they ran the Enrollment Center in Wenatchee. They continue a similar effort with Wenatchee Insurance supporting more insurance products.

Topics

Topics: Tribal Health, Enrollment, Healthcare, Wenatchee Insurance, NCW Insurance, Native American, ACA, Healthplanfinder

#medicare, #health #wenatcheeinsurance #thesuzie #enrollment

The springs winds are around the corner is your insurance ready?

Ah, Washington! Land of coffee, rain, and the occasional trampoline taking flight like a misguided UFO during a windstorm. So, let’s talk about wind damage coverage.

trampoline and homeowner insurance lability in Grant County

First off, most homeowner policies here are pretty solid. They’ve got your back when the wind decides to redecorate your yard or play bowling with your roof shingles. But, remember, it’s not just about the ‘whooosh’; it’s also about what the ‘whooosh’ brings along. We’re talking trees that suddenly believe they can walk, and yes, the legendary flying trampolines.

Now, if a trampoline decides to audition for the role of ‘Mary Poppins’ and lands on your roof, your policy usually steps in. It’s like, ‘Don’t worry, we’ve seen this episode before.’ They cover the damage to your house, maybe even the fence it crushed on its way down.

But here’s the kicker – if your own trampoline decides to go on an adventure and damages someone else’s property, you might need to check the liability part of your insurance. Because, let’s face it, nobody wants a neighborly dispute over a rogue trampoline.

And let’s not forget the ‘Wind-Driven Rain Ensemble’. This is when the wind plays maestro and directs rain to places it’s not supposed to be, like inside your house. Coverage here can get a bit tricky, but generally, if the rain’s invited in by wind damage, you’re covered.

Wind trampoline damage insurance wenatchee

One more thing – deductibles. In some cases, you might have a separate ‘wind deductible’. Think of it as the entry fee for the ‘wind damage club’. It’s often a percentage of your home’s value. So, if your home is worth a lot, maybe start a ‘wind deductible’ piggy bank.

In summary, yes, wind damage, including the acrobatic acts of trampolines, is generally covered. But policies vary, and it’s always a good idea to chat with your agent – especially if you own a trampoline. They might just have a frequent flier program!”

Always check the specifics of your policy and talk to your insurance agent for personalized advice, especially if your backyard has a trampoline with a mind of its own!

Trampolines are one of the risks that we like to chat about so that our clients better understand their policy.

simple process for insurance
Wenatchee Insurance simple process

topics:

#home #renters #deductible #wenatcheeinsurance

Topics: Home Insurance, Renter Insurance, Trampoline, Wenatchee Insurance, Washington, Wind Coverage, wind deductible, backyard, liability, shingles

Who can enroll in health insurance outside of fall’s Open Enrollment?

Sometimes it helps to remember things when put to a simple rhyme. We are going to consult the Bard.

If you missed open enrollment, don’t despair,
Here’s a rhyme for situations quite rare:

When life throws a curve, like a baby’s new cry,
Or marriage bells chime under the sky,
That’s a time when you can apply.

If you move your abode, a new place to dwell,
Or lose your old coverage, as records can tell,
These events open the gate, so all can be well.

A citizenship change, a status update,
Or if Medicaid says, “Sorry, you’re late,”
These too swing wide the special enrollment fate.

But remember, my friend, in this healthcare quest,
Timing is key to getting the best,
Typically 60 days post-event, no jest!

So if life changes course, be it merry or tense,
You’ve got a chance for insurance hence,
In this rhyme, I hope, it all makes sense!

The bottom line:

If you do not have health insurance then we want to see you ASAP to see if you qualify. Special Events can also occur and you could be qualified and not even know it for a plan cheaper than you expected.

This was the first year that we could assist with insuring Washington state residents that did not have citizenship like DACA or dreamers.

We do our best to make insurance understandable and usable. Wenatchee Insurance doesn’t charge fees and answers questions throughout the year. Suzie was a pharmacy technician and is incredibly usefully.

Select an appointment with Suzie and we can even talk over the phone.

Topics: Chelan, Dental, Health, Independent Insurance Agency, Life, Mission, SEP, Special Enrollment Suzie, Wenatchee,

Boat Modifications & Insurance Coverage

Here at Wenatchee Insurance Agency, serving Wenatchee, WA, and neighboring areas, protecting your boat with comprehensive insurance coverage is a top priority. Understanding how modifications can affect your boat insurance is essential for safeguarding your investment effectively.

Assessing Boat Modifications

Before undertaking any upgrades or modifications to your boat, it’s crucial to comprehend how these alterations might impact your insurance coverage. Significant modifications such as engine enhancements, additional equipment installations, or structural modifications can influence the risks and value of your vessel.

Informing Your Insurance Provider

Transparency is key. Notify your insurance provider about any changes made to your boat. Failing to disclose modifications can lead to coverage gaps or claim denials. It’s essential to understand that certain modifications may increase your insurance premiums. This could be due to higher replacement costs or increased risks associated with enhanced features. Assess how modifications might affect your premium rates.

Coverage Adequacy for Modifications

Ensure that your insurance policy adequately covers the added value of modifications. Custom equipment or enhancements should be accounted for in your coverage to ensure it is fully protected in the event of damage or loss.

Compliance and Safety Standards

Consider the impact of modifications on your boat’s compliance with safety regulations. Some enhancements might affect the boat’s safety or adherence to maritime regulations. Confirm that your modifications comply with safety standards to maintain full coverage.

Contact Us Today!

To safeguard your boat with tailored coverage, connect with Wenatchee Insurance Agency, serving Wenatchee, WA and surrounding areas. To discuss, your boat insurance needs modifications and enhancements by our experts. We’ll ensure your policy effectively protects the true value of your modified boat. Contact us to secure comprehensive protection for your vessel today.

What is the Medicare Advantage Open Enrollment Period?

Not the Annual Enrollment Period!

The Annual Enrollment Period (AEP) takes place every year from October 15th through December 7th. Every year Medicare Eligible people can enroll or change plans that start January 1st.

This runs January 1st through March 31st

If you are enrolled in a Medicare Advantage Plan and want to change for whatever reason. Maybe you changed during the enrollment period and the new plan isn’t working. Maybe you missed changing your Medicare Advantage Plan during the AEP.

Talk with Suzie Today

Imagine Medicare as a big, bustling supermarket of health care plans. Now, the Medicare Advantage Open Enrollment Period is like this special three-month-long festival in the supermarket, starting January 1st and ending on March 31st, where you can swap your shopping cart (your current Medicare Advantage plan) for a different one.

  1. Switching Carts (Plans): Let’s say you’re wheeling around a cart (your current Medicare Advantage plan) and you spot another cart that looks sleeker, has better wheels (better benefits), or maybe even a built-in cup holder (extra perks). You can ditch your old cart and grab the new one! Just make sure it’s still in the Medicare Advantage aisle.
  2. Back to Basics with a Handbasket (Original Medicare): Maybe you’re tired of pushing around these fancy carts. You miss the good old days of a simple handbasket (Original Medicare). Well, you can swap your cart for a handbasket during this festival. And if you miss having a place to put your soda (prescription drugs), you can always grab one of those trendy little clip-on cup holders (Medicare Prescription Drug Plan).
  3. Adding a Cup Holder (Prescription Drug Plan): If you switch to your handbasket and suddenly realize, “Oh no, where will I put my soda?” (prescription drugs), you can pick up one of those nifty cup holders (join a Medicare Prescription Drug Plan) to clip onto your basket.

Remember, this festival is only for folks who already have a shopping cart (are already enrolled in a Medicare Advantage plan). If you’re still contemplating the merits of a basket or a cart (if you’re on Original Medicare), this isn’t your festival, but don’t worry, your time will come during the Annual Enrollment Period (October 15 to December 7)!

So, during this special festival, feel free to peruse the aisles, compare the carts, and make sure you’re wheeling around the one that fits your shopping list (healthcare needs) the best! Just don’t try to check out with more than one cart, or you might set off the security alarms (confuse the system)! 🛒😄

Medicare has a bunch of Enrollment Periods, from Initial Enrollment Period, General Enrollment Period, Special Enrollment Period, in addition to the Annual Enrollment Period and the Open Enrollment Period. If you have questions then let us know as we are always glad to lend a hand at Wenatchee Insurance.

Topics: Medicare Advantage, Original Medicare, Prescription Drug Plan, Open Enrollment Period, Local Insurance Broker, Wenatchee Insurance

Local insurance agents helps out in Central Washington

We have a lot of fun around Wenatchee insurance. Let’s add a humorous twist to the importance of a local independent insurance agent from Chelan County:

  1. Knows Your Neighbors Better Than You Do: Your Wenatchee insurance agent is like the neighborhood gossip guru but for insurance. They know everyone’s business – in a good way! Need to know if Mrs. Johnson’s cat really did cause that tree to fall? They’re on it.
  2. Weather Wizard: They have an uncanny ability to predict local weather risks. It’s like they have a sixth sense for when the next big hailstorm will hit Wenatchee, saving you from the dreaded ‘hail-dented car’ look.
  3. Apple Insurance Expert: In Wenatchee, the apple capital of the world, they’re not just insurance experts; they’re apple insurance connoisseurs. They’ll insure your apples, apple trees, and even your apple pies!

4. Mountain Man/Woman Vibes: Living in the gateway to the Cascades, they know all about insuring your hiking gear, bear-proofing your camping insurance, and making sure your mountain bike is covered, even if you’re just riding it to the local coffee shop.

5. Coffee-Spilling Coverages: They understand the local habit of sipping coffee non-stop. Spilled coffee on your laptop? They’ve got a policy for that.

6. Personalized Service with a Smile (and Maybe a Pie): They’re so friendly that every policy discussion could end with a smile and a shared recipe for the best apple pie in Wenatchee.

7. Bigfoot Coverage?: Only in Wenatchee would your insurance agent seriously discuss coverage options for a Bigfoot sighting on your property. Just in case, right?

In short, a local independent insurance agent from Wenatchee isn’t just an expert in policies; they’re an integral, quirky part of the community fabric, blending local charm with professional expertise – and possibly holding the secret recipe to the perfect apple pie! 🍎🥧

Topic: Wenatchee Insurance, Lake Wenatchee, Entiat, Chelan, local agent,

Can Renters Insurance cover a wild senior party in NCW?

Renters insurance typically provides coverage for certain risks or perils like theft, fire, or water damage. It is affordable and handy coverage to have when you rent an apartment or home. However, the coverage for incidents arising from a Senior’s party blowout can vary depending on the specific terms of the policy and the nature of the damage or liability involved.

Example:

If you do not have event insurance, here’s how renters’ insurance might (or might not) cover a the shenanigans of a party that has gone overboard:

  1. Property Damage: If your crazy party turns a bit too wild and results in accidental damage to your rented property, renters insurance might come to the rescue. Imagine a scenario where someone enthusiastically demonstrates their dance moves and accidentally crashes into a wall, creating a cartoon-like human-shaped hole. Your renters insurance may cover the cost of repairing the wall after the deductible.
  2. Liability Coverage: Suppose a guest at your wild party decides to reenact a scene from a superhero movie and ends up injuring another guest. If you’re held liable for the guest’s medical expenses, your liability coverage in your renters insurance could help cover the costs. Just don’t expect it to cover any attempts at actual superhero landings.
  3. Personal Property: If during the chaos of the party, your expensive sound system is accidentally damaged or stolen, renters insurance could help replace or repair it. However, it won’t cover the emotional trauma of not being able to play the party’s theme song on repeat.
  4. Additional Living Expenses: In a very extreme scenario, if your party results in damages making your rental uninhabitable (like an impromptu indoor fireworks show gone wrong), your policy might cover temporary living expenses. But it won’t cover the cost of continuing the party at a five-star hotel.

Not all things are covered:

Remember, insurance policies have exclusions. Damage caused by intentional acts or gross negligence (like deciding it’s a good idea to indoor-ski down the staircase) typically isn’t covered. Also, the insurer might not see the humor in the situation like we do! Always walk through your insurance plan with your independent agent.

Topics: Renters Insurance, Party Insurance, Event Insurance, Wenatchee Insurance, Liability, Property Damage,

Is your Homeowners Insurance Deductible a percentage?

In tough times, not everyone has a pile of cash lying about to cover an unexpected loss. How much do you want to pay before the insurance company starts paying?

Example:  You are doing good and own a lovely $400,000 home. One day, to your surprise, you find that water has decided to throw a pool party in your basement without your permission. Oh no, it’s a water backup loss! But fear not, you have water backup insurance coverage with a 1% deductible.

Here’s how this plays out in a simple way:

The 1% Rule: Your insurance says, “We’ll help, but remember the 1% rule!” This means you’re responsible for 1% of your home’s value before the insurance kicks in. In your case, 1% of $400,000 is $4,000. So, you’re like a bank for the first $4,000.

The Water Backup Bill: Let’s say repairing all the water damage and evicting the unwanted pool costs $10,000. You might gasp, but hold on!

Your Share vs. Insurance Share: You pay the first $4,000 (because of the 1% rule). The insurance company, wearing a superhero cape, swoops in to pay the remaining $6,000.

Note if you have a $1000 deductible then you would only pay $1000 and the insurance company would pay the remaining $9,000!

The End Result:

Your basement is saved, and your wallet is lighter. You’ve learned a valuable lesson about water backups and probably consider buying a lifejacket for your basement.

In short, with a 1% deductible on a $400,000 home, you cover the first $4,000 of any damage, and then your insurance covers the rest, up to the policy limit. It’s like going to a fancy restaurant and paying for the appetizer, while insurance pays for the main course and dessert.

For many people in Central Washington, it is easier to find $1000 to pay for a deductible rather than 1%. At Wenatchee Insurance, focus on usable and affordable.

Topics: Water Damage, Home Insurance, Wenatchee Insurance, Deductible, NCW, Central Washington, Chelan County, Sewer backup, Allstate, travelers, Hartford,

Here’s Why You Need Umbrella Insurance for Your High-Risk Business

You run a high-risk business in Wenatchee, WA, but aren’t sure if you need umbrella insurance or not. We at Wenatchee Insurance Agency can tell you that you absolutely do! There are many reasons why this policy type is so important, so please read on to learn more about why.

What is Umbrella Insurance?

Umbrella insurance is an overarching protection policy (hence its name) that expands your liability. It’s usually chosen by businesses that want to avoid expensive liability costs. When used properly, it can minimize the danger of expensive lawsuits and improve your financial situation.

Typically, your policy comes into play the moment you max out your liability coverage. For example, let’s say you pay your total liability out to help someone after an injury. Instead of paying out of your pocket, your umbrella protection will kick in and pay the rest of the costs (up to a certain limit).

How Does It Help You?

If you have an umbrella insurance policy, your liability protection for your high-risk business is significantly increased. Let’s say you run a hunting company, and someone gets shot by accident on a trip. With umbrella insurance, you can pay for their recovery without worrying about maxing out your policy.

Furthermore, you can even use your umbrella insurance as an advertising tool or as a way of mitigating your company’s risk. It might even improve your value or decrease your insurance price, depending on a myriad of factors. That makes umbrella insurance essential.

Who Can You Call?

If you live in Wenatchee, WA and want to work with an insurance provider you can trust, call us at Wenatchee Insurance Agency. We’ll talk with you about your policy, discuss potential upgrades to your coverage, and make sure that you get the high-quality help that you need to stay strong.

WE return calls & are here for appointments..OR you can start your free online quote now!

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Suzie Health Solutions

Health & Medicare

For nearly a decade we have assisted with Health & Medicare Solutions. We are proud to be selected by the Washington Healthplanfinder to be one of ten Enrollment Centers located in Washington State.

We work with all ages and charge no fees.

Health & Medicare

Partner Carriers

  • Allstate
  • American Collectors
  • American Modern
  • Bristol West
  • Burns & Wilcox
  • Dairyland
  • Encompass
  • Foremost
  • Guard
  • Hagerty
  • Lemonade
  • Liberty Mutual
  • National General
  • Nationwide
  • Neptune Flood
  • Progressive
  • Propeller Bonds
  • Stillwater
  • The Hartford
  • Thimble
  • Travelers
  • Wright Flood