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413 N Mission St
Wenatchee, WA 98801

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Category: Home Insurance

Surviving Wildfires 101: Insurance Edition with Wenatchee Insurance Agency

Posted on by Matt McColm

Greetings, fellow adventurers of Central Washington! Today, we are looking at topic that can raise the hairs on the back of your neck — the insurance coverage for wildfire damage, brought to you by the team at Wenatchee Insurance Agency! 🌲🦸‍♂️🔥

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Imagine this: you wake up one morning, the birds are chirping, the sun is shining, and then—bam! Wildfire season strikes with the ferocity of a lightning storm. In Central Washington too often,  we are not just a bystander in this fiery spectacle—you’re the star of our insurance epic!

What exactly does wildfire insurance cover? Well, put your big pants on, it’s not just about protecting our little home on the range (though they’ve got that covered too). Wenatchee Insurance goes above and beyond to shield everything from your beloved RV to your quirky collection of garden gnomes. Yes, even the gnomes deserve a shield against the flames!

But wait, there’s more! Ever worried about your vintage bicycle or that treasured kayak you’ve had since the dawn of time? Fear not, because with Wenatchee Insurance, your prized possessions are as safe as a squirrel with a winter stash of acorns.

Now, let’s talk about Shayla—yes, the legend herself. Shayla isn’t just an insurance agent; she’s your guide through the wildfire maze. Need to file a claim faster than you can say “hot apple pie”? Shayla’s got your back. Need advice on how to fortify your home against wildfire threats? Shayla’s wisdom is as abundant as Quincy Corn in September.

And here’s the secret sauce—the real magic of Wenatchee Insurance isn’t just their expertise (though they’ve got that in spades). It’s their commitment to the community. They’re not just here to sell you a policy; they’re here to hold your hand (metaphorically, of course) through the trials and tribulations of wildfire season. Because when flames flicker on the horizon, you don’t just want an insurance policy. You want a shield, a guardian, a friend who understands the dance of fire and fear.

So, whether you’re a seasoned wildfire warrior or a newcomer to the realm of insurance wonders, remember this: with Wenatchee Insurance Agency, you’re not just a client—you’re family. A family with a fireproof plan and a hotline to Shayla, the guardian angel of insurance wisdom.

Stay safe, stay covered, and remember—with Wenatchee Insurance, wildfire season is just another chapter in your epic tale of insurance triumphs!

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Topics: Home Insurance, Wenatchee insurance, Shayla, high risk, liability, wildfire, brush fire, Chelan County, Okanogan County, General, Grant County, Douglas county, proof of insurance, Quincy,

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What Additional Insurance Coverage Options Are Available and Which Ones Should I Consider?

Posted on by Matt McColm
insurance coverage

Additional Insurance Coverage options:

The Insurance Coverage Buffet: Extra Toppings Edition

Welcome back to the Insurance Buffet, where Wenatchee Insurance offers a Smörgåsbord of additional insurance coverage options to suit every taste. Insurance needs are a wide variety. Let’s explore the extra toppings you can add to your home insurance policy for a fully loaded experience.

Umbrella Insurance: The All-You-Can-Eat Pass Umbrella insurance is like wearing your stretchy pants for a Thanksgiving feast. It extends your liability coverage beyond the limits of your standard home insurance, protecting you from unexpected large claims. It’s a must-have for anyone who needs to be extra prepared.

Sewer Backup Insurance Coverage: The Unseen Hero If you have an older house in Wenatchee with large trees then we need to talk about Sewer back up. Sewer backups are the stuff of nightmares, but this coverage option is like a hidden hero. It ensures you’re not left dealing with a smelly and costly cleanup out of your own pocket.

Identity Theft Protection: The Cyber Shield In the digital age, identity theft is a real threat. This coverage acts like a cyber shield, protecting your personal information and helping you recover if your identity is stolen. It’s peace of mind in the digital jungle.

Home Business Insurance Coverage: The Entrepreneur’s Delight Running a business from home? Standard policies might not cover business equipment or liability. This add-on ensures your entrepreneurial endeavors are protected, just like having a dedicated menu for your dietary special needs.

Valuable Items Coverage: The Premium Topping Got high-value items like jewelry, art, or computers? This coverage acts like the shaved black truffles on risotto, ensuring your prized possessions are covered beyond the standard policy limits.

Green Home Coverage: The Eco-Friendly Choice If you’re environmentally conscious, this coverage helps you rebuild with eco-friendly materials and technology after a loss. It’s like choosing the organic section at the buffet – better for you and the planet.

Additional Coverage Options Summary

With Wenatchee Insurance, you can customize your home insurance policy with these additional coverage options to suit your unique needs. Load up your plate and enjoy the peace of mind that comes with comprehensive protection!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance, Exclusions, Green Insurance, Umbrella, Home Office, Computer coverage, Cyber coverage,

When Wildfire Meets Insurance: A Tale of Coverage and Comfort with Wenatchee Insurance Agency

Posted on by Matt McColm
Wildfire around Central Washington can make insurance tough
Wild Fire along the Columbia River

Hey there, from Eastern Washington! Today, we are diving into a topic that’s as hot as the Yakima Training Center in August—insurance coverage for wildfire damage with our trusty band of heroes at Wenatchee Insurance Agency! 🌲🔥💼

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Picture this: you’re enjoying a peaceful evening watching the ducks on Lake Wenatchee, maybe sipping on your favorite malt beverage, when suddenly, the word “wildfire” starts buzzing on every social media network. Yonks! Panic mode? Not with the team of Wenatchee Insurance by your side!

What is the deal with wildfire insurance coverage? First off, Wenatchee Insurance isn’t just your average insurance agency; they’re wizards of wildfire protection. Whether it’s ensuring your humble abode stays safe or your beloved outdoor gear survives the inferno, they’ve got your back like a firefighter with a superpower cape.

Now, we know what you’re thinking: “But how do they do it?” It’s simple, really. Wenatchee Insurance doesn’t just hand you a policy and wish you luck. They’re like the Gandalf of insurance—always there when you need them, guiding you through the murky forest of insurance jargon. Need coverage for that vintage camper you cherish? Covered. Worried about your precious garden gnomes? They’ve got a plan for that too!

And let’s talk claims. Ever had to file an insurance claim and felt like you were navigating a maze blindfolded? Not with Wenatchee Insurance. They make it as smooth as warm butter on hot toast. Just dial Shayla (yes, the insurance whisperer herself) and poof! Your claim is in good hands faster than you can say “apple pie.”

But here’s the kicker—the best part about Wenatchee Insurance isn’t just their expertise; it’s their sense of community. They’re not just here to sell you a policy; they’re your neighbors, your pals, your partners in wildfire defense. Because let’s face it, when flames dance on the horizon, you don’t just want insurance. You want peace of mind, wrapped in a blanket of trust and understanding.

So, whether you’re a seasoned wildfire survivor or a newbie in the realm of insurance wonders, remember one thing: with Wenatchee Insurance Agency, you’re not just protected—you’re part of a fiery family (the good kind, of course).

Stay safe, stay covered, and remember to hug your insurance agent (from a safe distance)!

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Topics: Home Insurance, Wenatchee insurance, Shayla, high risk, liability, wildfire, brush fire, Chelan County, Okanogan County, General, Grant County, Douglas county, proof of insurance,

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How Often Should I Review and Update My Home Insurance Policy?

Posted on by Matt McColm

The Annual Home Insurance Check-Up

Insurance review are important

Just like your annual doctor’s check up, your home insurance policy needs regular reviews to stay in good shape. Let’s talk about the why, when, and how with Wenatchee Insurance.

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The Annual Check-Up Once a year, take a look at your policy. Think of it as a wellness check for your home insurance. Are all your coverages up to date? Have you made any significant changes to your home that need to be included? Is there a lot of inflation?

Post-Renovation Review Did you just build that dream kitchen or add a new deck? Time to update your policy. Renovations can increase the value of your home, and you’ll want your coverage to reflect that shiny new gourmet stove.

Bonus: A new roof can reduce Home Insurance cost.

Major Purchase Alert Did you buy a new Steinway piano or inherit paintings from your Great Aunt Gates? Big-ticket items should be added to your policy to ensure they’re covered. Some categories have limits and may require an endorsement. It’s like adding vitamins to your diet – essential for overall health.

Neighborhood Changes Has your area experienced changes in risk factors, like an unkept field or new construction? Time for a review. Just as you’d adjust your diet if your environment changed, adjust your insurance to match your surroundings.

Life Changes New family members, a new pet, or even a change in your job status can all impact your insurance needs. Keep your policy in sync with your life. It’s like updating your wardrobe to fit your current lifestyle.

With Wenatchee Insurance, keeping your home insurance policy up to date is as easy as scheduling your next check-up. Stay protected and stay informed!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance

Home Health Medicare Car Dental Prescription insurance corndog

What Is My Deductible and How Does It Affect My Premium?

Posted on by Matt McColm
insurance deductibles are important to the policy

The Deductible question

What if you are at the Chelan County Fair, and you have to choose between the giant purple monkey or the smaller, but equally cute, stuffed llama. This choice is like deciding on your deductible and understanding how it affects your premium cost with Wenatchee Insurance Agency.

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The High Deductible Option: The Giant Purple Monkey  It is like opting for a high deductible when you go for the giant purple monkey. You’ll save money on your premiums. However, if disaster strikes like fire, you’ll need to cough up more cash upfront to cover the deductible first. It’s a gamble, but the savings can be worth it if you don’t foresee many claims in your future.

The Low Deductible Option: The Smaller Stuffed llama Choosing a lower deductible is like going for the smaller, safer stuffed llama. Your premiums will be higher, but you’ll pay less out of pocket if something happens. There is no drama to this llama. It’s a safer bet for those who prefer peace of mind.

The Mid-Range Choice: The Best of Both Worlds Can’t decide? Go for a mid-range deductible. It’s like choosing the medium-sized prize – balanced and reasonable. You can have moderate premiums and a manageable deductible.

Bonus prize

The Premium-Boosting Mystery Box Remember, your premium is influenced by other factors too, like your home’s location, age, condition of the roof and safety features. Just like opening a mystery box at the carnival – you never know what you’re going to get until all factors are considered.

It is why we prefer to have conversations with our clients as sometimes we can uncover discounts that you do not know existed.

Navigate the deductible dilemma with Wenatchee Insurance and find the perfect balance that suits your needs and budget. Happy insuring!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance

Are Secret Discounts Available for Home or Bundling Policies?

Posted on by Matt McColm

Unlocking the Secret Discounts

Wenatchee insurance bundling Health insurance, Medicare, Life, Car, Home in for secret discounts

Shh… Can you keep a secret? Wenatchee Insurance has secret discounts that can save you big bucks on your home insurance. It doesn’t always have to be with the same company or type of insurance! Let’s embark on a treasure hunt to uncover these elusive savings.

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The Safe Home Bonus Installing safety features in your home is like finding a hidden stash of gold coins. Smoke detectors, alarm systems, and deadbolt locks can earn you discounts. Your home becomes a fortress, and you fend off the inflation bandits for the year.

The Golden Parachute of Savings. Keep your receipts, if you have a roof that is less than ten years old then you could be entitled to some savings. Age plays a tremendous role for underwriters being able to cover your home.

The Bundling Bonanza Why stop at home insurance when you can bundle with auto insurance and save even more? It’s like finding a two-for-one deal at your favorite store. Bundle your policies with Wenatchee Insurance. Some companies allow us a discount if you have a Health or Medicare policy with us.

The Claim-Free Treasure Been a good sailor with no claims? Wenatchee Insurance rewards you for smooth sailing. The longer you go without filing a claim, the more you save. Boring is better when it comes to pleasing the underwriters.

The Loyalty Loot Sticking with Wenatchee Insurance pays off. Loyal customers often receive discounts just for being awesome and staying with the same insurer. It’s like getting a thank-you gift for being part of the family.

So, grab your treasure map and start hunting for those hidden discounts with Wenatchee Insurance. Your savings adventure awaits!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance, independent insurance broker,

What Is the Process for Filing a Claim and How Long Does It Typically Take?

Posted on by Matt McColm
Fire around Central Washington can make insurance tough for filing a claim
Wild Fire along the Columbia River

When I saw smoke up the Number 2 Canyon, ‘Oh no get ready’ is the first thing that goes through my mind. Fire Season is upon North Central Washington, and I know we could be filing a claim soon at Wenatchee Insurance. Let’s talk about Claims.

The Great Filing a Claim Adventure

Grab your map and compass because we’re embarking on the Great Claim Filing Adventure with Wenatchee Insurance. Filing a claim might seem like a daunting quest, but with the right guide, you’ll navigate it like a pro.

Step 1: The Call to Action Your adventure begins with a phone call. Report your loss and provide all the necessary details. Think of it as the moment you receive your mission – exciting and full of possibilities!

Step 2: The Inspection Quest An adjuster will be dispatched to assess the damage. They’re like the Gandalf of home insurance, wise and thorough. They’ll document everything and help you understand the extent of your loss. Yes, sometimes they will find more damage than expected.

Step 3: The Paperwork Maze Fill out the required forms, provide receipts, and submit photos. It’s a bit like solving a riddle, but fear not, Wenatchee Insurance’s trusty agents are there to guide you through this labyrinth. Matt made a personal claim after January’s snowstorm that was a breeze.

Step 4: The Waiting Game Ah, the waiting period. Use this time to train (or binge-watch your favorite series). The supply chains have made them longer than we want. The processing time varies, but patience is key. Remember, good things come to those who wait – like a well-handled claim!

Step 5: The Victory Celebration Once your claim is approved, it’s time to receive your payout. Whether it’s repairing your home or replacing your lost treasures, the end of this adventure is always sweet. Celebrate your victory and enjoy the peace of mind that comes with being well-insured.

We are guides along the way that do our best to smooth out a difficult time. If you ever have a question do not hesitate to call us at Wenatchee Insurance so that we can lend a hand.

Embark on your claim-filing adventure with Wenatchee Insurance and discover that even the most challenging quests can have happy endings.

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Topics: Wenatchee Insurance, Independent Agency, Deductible, Home Insurance, Wildfire, Chelan, Fire, Okanogan, Grant, Flood, Earthquake, Wind, Liability,

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How Is the Value of My Home and Personal Property Determined?

Posted on by Matt McColm
Family home insurance washington state

The Home Insurance Price Is Right!

Welcome to “The Home Insurance Price Is Right!” where you don’t have to guess the price, but you do need to understand how it’s determined. Let’s dive into the thrilling world of replacement costs and actual cash value with Wenatchee Insurance.

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They don’t teach us the difference between Replacement Cost and Actual Cash value in High School nor when you were home eating crackers and sipping tea. We like to go over it because we don’t like surprised clients.

Replacement Cost: The High Roller’s Choice Imagine winning a fabulous new dining room set on our show. Replacement cost coverage means you get a brand-new version of your old stuff. No depreciation here, folks! It’s all shiny and new, just like the day you bought it.

Actual Cash Value: The Bargain Hunter’s Delight For those who love a good deal, actual cash value coverage considers depreciation. It’s like buying a gently used couch from a thrift store – still great, but not quite brand new. Your payout reflects the current market value of your items.

Sometimes Actual Cash Value is the only option available. It is worth the conversation if you see this valuation on your home owner’s policy.

Spin the Wheel of Claims! When it’s time to file a claim, Wenatchee Insurance uses their magical wheel (or more likely, some sophisticated calculations) to determine the value of your home and belongings. Don’t worry, they’re experts at making sure you get the right amount.

So, come on down to Wenatchee Insurance and find out how much your home and personal property are worth. It’s always a win when you’re properly covered!

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Does My Policy Cover Natural Disasters Like Wildfires or Earthquakes?

Posted on by Matt McColm
Let’s look at coverages in a light hearted manner. Imagine your home insurance policy as a superhero squad, each member ready to tackle different villains. Wenatchee Insurance brings together a team of coverage options to protect you from the most dastardly natural disasters.

The Disaster Superhero Squad

Wildfire-Woman She’s fierce, she’s fiery, and she’s here to save your home from going up in flames. Wildfire coverage ensures that if a firestorm hits, you won’t be left in the ashes.

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Flood-Fella He’s always in his waders, ready to combat rising waters. With flood coverage, your home will stay dry even when Mother Nature tries to turn your neighborhood into a lake.

Flash Floods are not uncommon in the Canyons and can be deadly.

Earthquake Enforcer When the ground shakes, he stands firm. Earthquake coverage helps rebuild and repair after seismic activity shakes things up.

Being earthquake prepared is an advantage when we have locations like Earthquake Point that highlight the dangers.

Windstorm Warrior Defending against gale-force winds, this hero ensures that your roof stays where it belongs and your windows remain intact.

Hailstorm Heroine Fighting against the icy pellets from the sky, she makes sure your home isn’t left looking like Swiss cheese after a hailstorm.

Beware of percentage deductibles not everyone expects them and can make for a rude surprise.

Disaster Summary:

Join forces with Wenatchee Insurance’s Disaster Superhero Squad and ensure your home is protected from nature’s most chaotic villains.

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Topics: Home Insurance, Wenatchee Insurance, Independent Insurance Agency, Wind Damage, Fire Damage, Wildfire, Flood, Deductible,

What Risks for home owners insurance should I be aware?

Posted on by Matt McColm

Surviving the Wild, Wild (North Central) Washington

Let’s face it, living in North Central Washington can sometimes feel like you’re starring in our own reality TV survival show. With Wenatchee Insurance by your side, you’ll be prepared for all the unique risks our beautiful home has to offer.

We have some of the greatest parts of the country. Whether it is hiking the Enchantments, to boating Lake Chelan, fishing the Potholes, or horseback riding up in Okanogan. There is plenty of adventure to be had in NCW.

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Wildfires: Nature’s Unwanted BBQ You might love a good barbecue, but not when it’s your backyard going up in smoke. Wildfires are a real threat, and you’ll want coverage that doesn’t leave you feeling burnt. This is something that you can not cover up with a bottled sauce.

Flooding: Surprise Water Parks Nothing like waking up to find your living room has turned into an indoor pool. Flooding can strike unexpectedly, so ask Wenatchee Insurance about flood coverage to keep your home from becoming an aquatic adventure park. In town, we are seeing sinkholes, so it is worth the ask.

Earthquakes: The Unscheduled Dance Party When the ground starts to shake, it’s not time for a dance party. While it won’t be the Big One like they predict for the Coast, we do feel them. Earthquake insurance can help you pick up the pieces (literally) after an unexpected rumble.

Windstorms: Nature’s Extreme Blow Dry Hold onto your hats, folks! Windstorms can be powerful enough to turn your patio furniture into dangerous projectiles. Yes, we have had 100 mph winds. Make sure your home can withstand these gusty invaders with the right coverage.

Risk Summary:

With Wenatchee Insurance, you’ll be equipped to handle all the wild adventures that North Central Washington throws your way. Wildfires, Flooding, Earthquakes and Windstorms! Oh my. Stay insured and stay safe!

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simple process for insurance
Wenatchee Insurance simple process

Topic: Home Insurance, Wenatchee Insurance, Wind Coverage, Wildfire, North Central Washington, Lake Chelan, Okanogan, Liability, Deductible,

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