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Health Insurance and Your Privacy Rights

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Privacy is important to Matt and Suzie at Wenatchee Insurance

Maintaining your health can be a challenge, and paying for healthcare costs can make that challenge even harder. If you don’t get health insurance through your job, purchasing private health insurance can make a big difference to your budget. Privacy plays an important role. If you are in the Wenatchee, WA area, our team at Wenatchee Insurance Agency would like the opportunity to explain the benefits of health insurance.

Health Insurance and Your Privacy Rights

Today’s increases in technology use have brought many advantages, but they have also created opportunities for unauthorized access to personal information. Your health status and healthcare information are very personal. When you visit a healthcare provider, you don’t want to worry about whether your diagnosis, treatment, and medication information will be shared with anyone except the companies that need that information to work with you.

According to the Washington Office of the Insurance Commissioner, you have a right to privacy when it comes to your healthcare information. This means that your personal information can be shared only with sources that need to provide service to you. The same website assures you that you can have sole access to your healthcare information. Privacy is especially important for clients under the age of 18 who are legally entitled to consent to healthcare procedures, including procedures related to their reproductive rights.

Call Us for an Appointment Today

You never know when you’ll need an emergency medical procedure. Our team at Wenatchee Insurance Agency can help you find a policy that fits your needs and budget. Clients in the Wenatchee, WA area have discovered that our team is knowledgeable and provides consistently excellent customer service. Call us for an appointment today, and let’s work together to find the right insurance policy for you.

 

 

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Please note during the Fall Enrollment Periods.

Medicare Annual Enrollment Period is October 15 through December 7.

Healthcare Open Enrollment Period is November 1 through December 15 (for plans starting January 1).

There are only so many hours in the day. Please select an appointment as early as possible or give us a call.

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How Term Life Insurance Works

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term life insurance is important

Term life insurance is one of the most popular types of life insurance. It works very differently from another type called whole life insurance and comes with its own advantages and disadvantages. Many people choose this type of insurance to protect their loved ones after they pass away. However, term life may not be right for everyone interested in life insurance. Some people prefer the benefits of whole life policies, while others find that term life better suits their needs. To learn more about term life insurance, contact Wenatchee Insurance Agency in Wenatchee, WA.

A Set Period

Term life insurance gets its name from the set term of time during which the policy remains active. These policies have a specific expiration date, which can range from 10 to 25 years, among other options. Once that term has passed and the policyholder is still alive, the policy expires. At that point, the policyholder would need to purchase a new policy to maintain coverage. The trade-off is that term life policies are highly budget-friendly and more affordable for many people who may not be able to afford a whole life policy.

The Death Benefit

Term life insurance functions similarly to other types of life insurance, as it pays a death benefit to beneficiaries upon the policyholder’s passing. This is the primary purpose of life insurance, as it provides financial support for loved ones left behind. The amount of the death benefit is determined at the time the policy is written. Generally, higher coverage amounts are accompanied by higher premiums.

Get Life Insurance in Wenatchee

If you don’t have life insurance, now is the time to get a policy to protect your loved ones. To get started with a policy of your own, contact Wenatchee Insurance Agency in Wenatchee, WA today.

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What Does No-fault or PIP Mean in Insurance Terms?

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The term “no-fault” in auto insurance can be confusing, especially if you’ve never had to file a claim. While it might sound like it removes responsibility, that’s not entirely accurate. Instead, no-fault insurance refers to how claims are handled after an accident, specifically, how medical bills and related expenses are paid, regardless of who caused the crash. Here’s an explanation from your insurance representative at Wenatchee Insurance Agency, serving Wenatchee, WA.

How No-Fault Insurance Works

In states that follow a no-fault system, each driver’s insurance policy covers their own policyholder’s medical expenses after an accident, up to a certain limit. This happens regardless of who was at fault. The primary goal of no-fault insurance is to reduce lawsuits related to minor accidents and ensure injured drivers receive treatment quickly.

Washington is not a traditional no-fault state, but drivers here have the option to add Personal Injury Protection (PIP) coverage to their policies. PIP functions similarly to no-fault insurance, covering medical expenses, lost wages, and essential services without waiting for a liability determination.

What No-Fault Insurance Does Not Cover

No-fault insurance does not cover damage to your vehicle or someone else’s property. These types of claims still require determining fault, with the at-fault driver’s liability coverage typically paying for repairs. Additionally, in serious accidents involving significant injuries, lawsuits may still be permitted—even in no-fault states—if damages exceed policy thresholds.

Know Your Options in Washington

Since no-fault insurance is optional in Washington, it’s important to review your policy and understand the level of protection you have. Adding PIP coverage can provide an extra layer of financial support if you’re injured, even if the other driver is uninsured. Your experienced local agent at Wenatchee Insurance Agency, serving Wenatchee, WA, can help you determine if this coverage is right for you. Contact us today to learn more.

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Someone Injured in Your Place of Business? Commercial Insurance to the Rescue!

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business insurance
Commercial Insurance can make a difference

 

Accidents happen. The rain falls, the wind blows, ice forms unexpectedly, or someone simply trips over their own feet. Regardless of the cause, someone was injured on your business premises, and they want you to cover their medical expenses. As a business owner, you have a “duty of care,” meaning you have a responsibility to ensure there is nothing on your property that could harm a potential customer. But as the saying goes, “stuff happens.” Fortunately, this is why you have Commercial Insurance.

Commercial Insurance is important

What to Do if Someone Is Injured on Your Property

First and foremost, you must attend to the customer’s well-being. Call 911, describe the incident, follow the operator’s instructions, and wait for the paramedics to arrive. Even if you’re unsure, it’s better to call an ambulance. Apply necessary first aid. If the customer refuses an ambulance or the injuries aren’t serious, at least provide them a quiet place to rest and offer ice or a glass of water. Then, you must address the hazard. Block it off if necessary. Document the scene with pictures before you alter anything. Do not admit or imply anyone is to blame. Complete an incident report with the time and date of the accident. Collect statements from witnesses and the injured customer. Save any surveillance footage you may have. Once all of this is covered, you should contact your insurer as soon as possible.

Many types of Commercial Insurance

Commercial Insurance has been more than basic liability for years. Sometimes you need a business owners’ policy that can cover employee theft. Sometimes you need liquor liability, a bond, commercial auto, insuring your equipment on the job site for theft or completed goods. We like to have conversations so that if there is a claim that you understand your coverages better before you need them.

Contact Wenatchee Insurance Agency in Wenatchee, WA

If you are in the Wenatchee, WA area and need commercial insurance, please contact Wenatchee Insurance Agency. We’re here to help.

 

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Weatherproofing Tips That Could Save Your Home from Damage

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When the seasons change, your home becomes the frontline defense against whatever Mother Nature has in store. From heavy rain and snow to high winds and sudden temperature drops, your property is constantly exposed to the elements. At Wenatchee Insurance Agency, serving the greater Wenatchee, WA area, we’ve observed how a few smart weatherproofing steps can prevent major headaches—and costly insurance claims—in the future.

Begin with Your Roof and Gutters

Your roof bears the brunt of most weather events, so maintaining it in good condition is crucial. Allocate time to inspect for loose or missing shingles and check the flashing around chimneys or vents. Clogged gutters might not seem like a significant issue, but when water backs up, it can damage your roof, siding, and even your foundation.

Seal the Gaps Before the Cold Sets In

Tiny gaps around windows and doors can let in cold air, moisture, and even pests. Weather stripping and caulk are inexpensive solutions that make a big difference. Not only do they help protect your home, but they also improve energy efficiency—something your heating bill will appreciate.

Don’t Overlook the Basement and Pipes

Basements are particularly susceptible to water intrusion, so ensure yours is properly sealed. During colder months, insulating your pipes can prevent them from freezing and bursting, which is one of the most common causes of winter home damage.

A Little Preparation Goes a Long Way

Protecting your home doesn’t have to be overwhelming. Small, proactive steps can make a huge difference. At Wenatchee Insurance Agency, proudly serving the community of Wenatchee, WA, we’re here to help you safeguard what matters most. Reach out today to discuss your home insurance options and how to weatherproof with confidence.

 

 

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Renters Insurance After a Disaster: Getting Back on Your Feet

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Renters Insurance

Washington State experiences diverse weather conditions throughout the year, ranging from thunderstorms and tornadoes to earthquakes and wildfires. Renters in Wenatchee, WA, must equip themselves with protection against these disasters. Renters insurance is the sole insurance protection for tenants, but it comes with certain limitations.

Does Renters Insurance Cover Natural Disasters?

The coverage depends on the type of natural disaster and the damage it inflicts. Renters’ insurance provides coverage for belongings and injuries within the rental space. It also offers temporary housing if the rental area is damaged. However, it does not cover structural damage to the rental area; that’s the landlord’s responsibility. It also doesn’t cover vehicle damage; your auto insurance covers that.

Renters insurance from Wenatchee Insurance Agency covers most natural disasters, but not all. These include:

  • Hail storms
  • Tornadoes
  • Cyclones
  • Wildfires
  • Blizzards
  • Fire and smoke
  • Lightning strike
  • Ceiling collapse

Renters insurance doesn’t cover floods, earthquakes, mudslides, landslides, and sinkholes. You need separate flood insurance for floods and earthquake insurance for earthquakes. Add-on riders may be available for the others.

Claiming Renters Insurance Compensation

Wenatchee Insurance Agency simplifies the process of filing a renters insurance claim. However, we require your photos, videos, and documentation of injuries, belongings, and property damage. Injuries indicate the amount you need in liability, personal belongings damage shows the amount you need to replace those items, and property damage suggests how much you need for temporary housing.

One of our adjusters will survey the area with you and document injuries, property damage, and damaged belongings. Then, find temporary housing and keep track of receipts. Also, keep track of medical bills for injuries and other important information. We will meet again to discuss and exchange the additional documentation. After verification, we send you a check for everything.

Damage after a natural disaster can disrupt your life, so you need a hassle-free, streamlined process to get you back on track. Renters’ insurance plays a crucial role in this. Visit our Wenatchee, WA office or call us for more information on what renters insurance can do for you.

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RV Insurance Upgrades That May Benefit You During Your Travels

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RV Insurance made simple

 

Will you be using your RV differently than you are accustomed to? Are you headed up to Barter Faire or down to Burning Man. If so, explore coverage options that will protect your RV, RV equipment, and other travel essentials you will be bringing along during a trip.

RV Towing Equipment and More

You may have decided to bring a four-wheeler or other recreational equipment with you. However, your standard RV insurance policy may only cover the RV itself and its personal possessions.

Add-on coverage for recreational equipment, towing equipment, tow bars, and other essentials will cover you if your RV is damaged in a vehicular accident. This type of coverage can also protect against criminal activity or a natural disaster that causes extreme damage or loss.

Keep track of all the items you need to transport your equipment safely. Then, seek add-on coverage that will enhance your RV insurance policy.

Floor Plan Upgrades

If you have upgraded your RV’s floor plan, you may use the space to store new items.

Review the floor plan upgrades you have made. Decide which new items you would like to cover with your RV insurance policy. You can add building materials, appliances, furnishings, or any other value items within your recreational vehicle.

Questions About Your RV Insurance Policy

If you have questions about your RV insurance policy, contact one of our Wenatchee Insurance Agency representatives. An agent who serves the Wenatchee, WA region will discuss your policy and ensure that you understand the type of coverage that your RV and personal possessions are equipped with.

 

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Update Your Motorcycle Insurance Before Spring Riding Season

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motorcycle insurance wenatchee

Wenatchee Insurance Agency is ready to assist if you’re in the Wenatchee, WA area and planning to update your motorcycle insurance policy. We aim to ensure you can enjoy a great riding season when spring arrives, which is much easier when you have peace of mind. Here’s what you need to know about making important updates to your bike policy.

Review Your Policy With an Agent

Reviewing your policy with one of our agents is the best way to ensure you’re ready to ride when the weather improves. We recommend reviewing your policy at least once a year, and winter can be an ideal time to do so. Since you’re less likely to be riding in cold weather, it’s a great opportunity to focus on bike maintenance, insurance updates, and other details that will prepare you for spring.

Make Necessary Changes for Optimal Protection

Staying protected when you ride is essential. That includes wearing proper gear, focusing on the road ahead, and having a policy that provides the coverage you need. After reviewing your policy and ensuring it’s properly updated, our agents are here to help you make the necessary changes and ensure it’s properly updated. Then, you can ride with confidence, knowing that you have the right insurance in case of a claim. Feeling secure allows you to focus on enjoying the ride without worrying about coverage.

The Right Coverage Makes a Difference

If you live in the Wenatchee, WA, area and need to update your motorcycle insurance policy, contact us today at Wenatchee Insurance Agency. Our dedicated agents are here to help you protect yourself and your motorcycle, preparing you for the spring riding season and all your upcoming adventures.

 

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Does Boat Insurance Cover My Passengers in an Accident?

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boat insurance wenatchee

 

What about boat insurance? Owning a boat in Wenatchee  provides unique opportunities to explore local waterways along the Columbia River and beyond. If you’re a local boat owner planning to navigate the open waters with friends and loved ones, it’s crucial to have adequate insurance coverage. This protects you, your passengers, and your vessel from potential mishaps that can occur during your journey.

Does Boat Insurance Cover My Passengers in an Accident?

The extent to which your boat insurance covers your passengers in an accident largely depends on the type of boat or watercraft insurance you have. For instance, minimum liability policies may only protect other passengers and vessels in the event of a sideswipe or head-on collision on the water.

Boaters seeking comprehensive coverage often opt for boat or watercraft insurance that can financially protect them and their passengers from a wide range of collision-related and non-collision-related perils. Comprehensive boat insurance can help offset the costs of legal liability claims associated with accidents and help boat owners recoup the costs of boating repairs, total loss replacements, or issues related to theft, natural disasters, and vandalism.

boat insurance at Wenatchee and Chelan

How Do I Know If My Boat Insurance Policy Offers Comprehensive Coverage for Boating Accidents?

The best way to understand exactly what your boat insurance policy covers is to contact a licensed local agent who can explain the provisions of your policy. A well-structured policy will protect your vessel from various standard and uncommon perils.

Contact Wenatchee Insurance Agency in WA for a boat insurance quote and learn more about the coverages you and your passengers are eligible for. Don’t wait until a boating accident or hull damage results in high out-of-pocket expenses.

Call us today for a boat or watercraft insurance quote from Wenatchee Insurance Agency!

 

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What is umbrella insurance and do I need it as a small business owner?

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ready for umbrella insurance

 

Most business owners are concerned about protecting their business in any way possible. This includes protecting their business operations and any incident that could affect the health of their business, whether it’s online or in a brick-and-mortar location. However, understanding what coverage would suit their business best, as well as how much, can be a daunting task. We understand this truth at Wenatchee Insurance Agency. As a result, we’re committed to helping Wenatchee, WA business owners understand business insurance and get the coverage they need to fulfill the needs of their unique businesses. We want business owners to understand the different types of insurance available to them and how they work.

What is Umbrella Insurance?

Umbrella insurance is additional insurance. For example, suppose the limits of your primary insurance policy are insufficient to cover an eligible incident. In that case, umbrella insurance kicks in to cover the amounts your primary insurance won’t cover. It’s backup insurance that meets your needs once you’ve maxed out your primary insurance policy.

What is umbrella insurance, and do I need it as a small business owner?

Umbrella insurance is backup insurance used once your primary insurance limits have been met. There are various reasons why umbrella insurance is a wise investment for many business owners. Umbrella insurance can function as primary insurance if an incident occurs, but your primary insurance policy does not cover that. Lawsuits and other high-risk situations are covered by umbrella insurance. You benefit from this insurance if you’re a business owner with a substantial risk of lawsuits, damages, injuries, and other situations that your business is prone to regularly. The best part about umbrella insurance is that it provides beneficial coverage and is often low-cost. It is an extra layer of coverage that provides many perks and benefits for businesses. Call us if you think you could benefit from umbrella insurance and want to explore your options. We’d be happy to help.

 

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