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Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

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Featured Insurance Blog

What in the heck is Full Coverage Car Insurance?

Wenatchee Insurance Car Full Coverage

When we talk about “full coverage” car insurance at Wenatchee Insurance, we mean a bundle of insurance types that provides greater protection for your car.

Here’s what full coverages usually includes:

Liability Insurance: This is a must-have. It pays for any damage or injuries you cause to others if you’re responsible for an accident. Washington State requires a minimal amount so you may want more to be safe.  

Collision Insurance: This part covers damage to your car if you get into an accident, no matter who caused it. It’s usually required by the bank if you still owe money on your car because it helps fix or replace it. Pay attention to any deductible.

Comprehensive Insurance: This covers other types of damage to your car not caused by an accident. Mean people, dumb animals and acts God. For example: If your neighbors’ pitbull chews off your tire then you have coverage. Pay attention to any deductible.

SUV full coverage car not bullet proof

Uninsured/Underinsured Motorist Protection: This helps cover costs if another driver causes an accident and doesn’t have enough insurance (or any at all) to pay for the damage to you or your car. With 1 in 5 drivers in Washington state not having insurance, this can be incredibly handy.

Additional full coverage information:

Banks and other places that lend money for cars often require you to have all these types of insurance. They do this to protect their investment in your car while you’re still paying it off. It makes sure your car stays in good shape and keeps its value as long as you owe money on it. This setup keeps both you and the lender secure until you finish paying for your car.

If you are expecting your transmission to be repaired when breaks down, your laptop replaced after being stolen from your trunk, or your after-market parts replaced when not listed on your policy then you are going to be upset because those require other than full coverage. Let’s talk.

auto insurance couple luxury car

How do I get insurance for my vacant property in Chelan county?

Insuring a vacant property can be riskier and more complicated than insuring one that’s occupied. Here are simplified risks and some examples:

  1. Vandalism and Theft: Vacant properties are often targets for vandalism, like graffiti or broken windows, and theft of things like copper pipes.

Example: How many times have you heard of farm equipment being stolen?

  1. Undetected Damage: Problems like water leaks or mold might not be noticed quickly in a vacant property, leading to worse damage.

Example: Your Airbnb cabin not renting for a few weeks? What happens if a pipe freezes and breaks, and it is not checked on in a few weeks?

  1. Fire Hazards: An empty property might be at higher risk for fires due to outdated wiring or even arson.

Example: An electrical fault in an abandoned building could start a fire.

  1. Liability Issues: If someone gets injured on the property, like a trespasser or a child playing, the owner might be responsible.

Example: A child trespassing to explore an empty house gets hurt, and the property owner is held liable. This includes the abandoned mines scattered about the hills.

  1. Weather Damage: Without regular upkeep, vacant properties are more vulnerable to damage from storms or cold weather.
  2. Insurance Challenges: It can be harder and more expensive to get insurance for a vacant property, and the coverage might be limited.
  3. Squatters: Empty properties might attract squatters, leading to legal issues.

Example: Someone might start living in an abandoned property illegally, and the owner has to go through a legal process to evict them.

In short, vacant properties face risks like damage, theft, and legal issues due to their lack of regular occupancy and maintenance. Owners should secure and check these properties regularly and ensure they have the right insurance coverage.

simple process for insurance
Wenatchee Insurance simple process

Topics: Vacant Property Insurance, squatters, liability, Chelan County, wenatchee insurance, Okanogan County, Mine, squatter, arson, independent insurance agent, Airbnb,

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,

Top 5 things that Seniors look for a local insurance agent in NCW

We love our Seniors from Suzie assisting with Medicare plans to Shayla finding discounts on home and auto. It’s why we have a friendly office that is easily accessible off Mission Street.

Top Five Reasons

Age Is Just a Number, Especially When Forgetting Yours: Find an agent who doesn’t just offer senior policies, but also reminds you of your age – preferably someone who celebrates your “29th” birthday with you, annually. We love you checking in, reviewing policies and shopping.

Experience in Senior Discounts, Including Early Bird Specials: An agent who knows the ins and outs of senior discounts is a gem. Bonus points if they can also guide you to the best early bird specials in town. (We like Shakti’s).

A Walking, Talking Medical Dictionary: You want an agent who understands senior health plans better than they understand their grandchildren’s slang. If they can explain your policy options without needing a nap afterward, you’ve struck gold. (As a former pharmacy technician, Suzie can spell Ozempic in her sleep).

Technologically Savvy, But Not Too Savvy: Look for someone who’s tech-savvy enough to email you your policy but still prints out directions from Google Maps. By using an appointment app, it gives us more time to chat.

The Patience of a Saint: This agent doesn’t just have patience; they have the kind of zen-like calm that could rival a tortoise in meditation. They’ll explain the fine print so many times, even your forgetful cousin could recite it.

Remember, finding the right insurance agent should be as satisfying as finding that last piece of candy at the bottom of your purse – a delightful surprise that makes your day just a bit sweeter!

Topics: Senior, independent insurance agent, Medicare, Care insurance discounts, Early Bird Special, Wenatchee Insurance

Four mistakes homeowners should avoid regarding flood insurance

flood home insurance wenatchee

Flood damage is one of the costliest types of home damage every year in the United States. That’s why it’s so important for homeowners in Wenatchee, WA to purchase flood insurance. At Wenatchee Insurance Agency, we offer flood insurance policies that can protect homeowners financially. 

The following are four mistakes that homeowners need to avoid regarding flood insurance. 

Procrastinating before buying flood insurance

It’s never a good idea to wait before buying flood insurance. You never know when a flood could cause extensive damage to your home. Buy flood insurance now to ensure that you’re covered when disaster strikes. 

Neglecting to follow news about increasing flood risk in one’s area

You can’t assume that your area will never be at high risk of flood damage just because it wasn’t when you initially bought your home.

Flood zone maps can change due to community development projects and changes in regional weather patterns. That’s why it’s always important to follow local news on flood zone classifications. 

Overlooking details regarding basement coverage

Homeowners with basements need to pay attention to the fine print on their flood insurance policies. Some flood insurance policies limit coverage for basement areas of a home.

You cannot assume that a standard flood insurance policy will cover any basement damage that your home could experience. Basement coverage is an especially important policy detail for homeowners with finished basements. 

Relying on home insurance for flood damage coverage

One of the most important things homeowners should know about flood damage is that standard home insurance doesn’t cover floods. You need to invest in a separate flood insurance policy or add a flood coverage endorsement to your home insurance policy to get flood damage covered. 

Reach Out To Us

When your home in Wenatchee, WA experiences flood damage, it’s essential for you to have a flood insurance provider you can rely on. Call us at Wenatchee Insurance Agency to get a quote on a flood insurance policy that will give you peace of mind and protect your home’s value. 

simple process for insurance
Wenatchee Insurance simple process

What does event insurance cover?

Event insurance is important for several reasons, providing protection and peace of mind for both event organizers and attendees. Here are some of the primary reasons why event insurance is considered crucial:

  1. Protection Against Financial Loss: Organizing an event often involves significant costs such as venue rental, equipment hire, catering, entertainment, and advertising. If the event is canceled or interrupted due to unforeseen circumstances, event insurance can cover the non-refundable expenses and financial losses incurred.
  2. Liability Coverage: Accidents can happen at any event, whether it’s someone slipping on a wet floor, food poisoning from catered meals, or equipment malfunctioning. Liability insurance protects the event organizer from potential lawsuits and claims arising from bodily injuries or property damage that might occur during the event.
  3. Venue Requirement: Many venues require event organizers to have liability insurance as a condition for renting their space. This is a common request from companies renting space for events. We just have to know who has to be listed on the Certificate of Insurance.
  4. Protects Against Non-Appearance: If a key speaker, performer, or celebrity fails to attend, this could lead to significant losses, especially if ticket sales were dependent on their appearance. Certain insurance policies can cover losses in these situations.
  5. Coverage for Vendors: If a vendor fails to deliver, goes out of business, or does not meet contractual obligations, the event organizer could face additional unexpected costs. Insurance can provide compensation in these situations.
  6. Property Damage: Insurance can cover damage to or theft of property rented or owned by the event organizer, such as audio-visual equipment, tents, or decorations.
  7. Liquor Liability: If alcohol is served at an event, liquor liability insurance protects the event organizer if attendees cause harm or damage after consuming alcohol provided at the event.
  8. Tailored Coverage: Event insurance can be tailored to the specific needs of an event. Whether it’s a small party, a corporate seminar, a large festival, or a wedding, policies can be adjusted to suit the particular risks and scale of the event.

In essence, while no one wants to think about the things that could go wrong during an event, it’s prudent to be prepared. Event insurance offers that layer of protection and ensures that unforeseen circumstances do not lead to crippling financial losses.

Topics: Event Insurance, Liability, Vendors, Liquor Liability, Property Damage, Host, Food Poisoning, Chelan, Host, Wenatchee Insurance, Cashmere, Mercantile, New Years Party, Christmas

How Do I Insure The Family Farm In North Central Washington?

Not everyone has the opportunity to grow up with chickens, hoeing weeds and running irrigation lines. It is important to protect farms for the next generation.

When insuring a farm, it’s important to consider a range of coverages to protect your property, assets, and operations. The specific coverages you need can vary depending on the size and type of your farm, but here are some common types of insurance coverage to consider:

Farm Property Insurance: This provides coverage for damage to your farm’s physical structures, including barns, silos, equipment sheds, and your farmhouse. It can also cover the loss of farm equipment and machinery.

Crop Insurance: Not all crops can do this however for some crops like apples, pears, cherries, and wheat it can be to your benefit. If you are a crop farmer, crop insurance can protect against losses due to hail, disease, pests, and other factors that can damage or destroy your crops.

Livestock Insurance: This coverage protects your livestock (cattle, poultry, swine, etc.) from risks such as disease outbreaks, accidents, or theft.

Health Insurance: Farming is dangerous having health insurance so when people get sick or injured is critical for a sustained operation.

Liability Insurance: Farm liability insurance protects you in case someone is injured on your property or if your farming activities cause harm to others. It can also cover legal expenses if you are sued.

What about the Orchard Truck?

Farm Auto Insurance: If you have vehicles used for farming, such as tractors, trucks, or ATVs, you’ll need insurance to cover them. This can include coverage for accidents, theft, and liability.

Equipment Breakdown Insurance: This type of coverage helps repair or replace farm equipment that breaks down due to mechanical or electrical failures. If you have ever had a well pump go out in July or a harvester break down in the middle of harvest then you know how critical this coverage is.

Farmers’ Personal Property Insurance: This covers personal property items used in farming, such as tools and equipment, that may not be covered under your standard homeowner’s insurance.

Umbrella Insurance: This provides additional liability coverage that goes beyond the limits of your other policies. It can be valuable if you have significant assets to protect.

An Alpaca hobby or gentleman farm is a very different operation than a U-Pick Orchard with a Hayride. When you have fewer than 10 horses with no boarding or breeding then your ranch has more options. Barndominums are also making a surge as people combining the home with an agriculture lifestyle.

Farms and Ranch can be tricky and we like to have conversations to see if something is missed during the application. We can help you assess your risks and tailor a policy that provides the appropriate coverage for your specific farm operation. The specific coverage you need will depend on your farm’s size, location, and the type of crops or livestock you produce.

Whether you are running a Lavender Farm up the Methow, Black Angus out of Aeneas Valley, or putting in a vineyard in Chelan. We want to work with you to make sure that you are a success for years to come.

Topics: Farm Insurance, Healthcare, Crop Insurance, Apple, Wheat, Mi Seguro, Seguro de Salud, Chelan, Okanogan, Ranch Insurance, Wenatchee Insurance, Independent Insurance Agent

Medicare and Health Insurance Appointments

We have your insurance

October 15th through December 7th is the Annual Open Enrollment Period for Medicare. This allows people on Medicare plans to make an adjustment for plans that start the following year. If you had a big change in health or want to review plans then this is your chance to do so.

Book your appointment now

Health is different. Health starts November 1st and runs until December 15th for plans that start January 1st. Then there is a bonus enrollment from December 16th through January 15th for plans that start February 1st.

Book Health or Medicare with Suzie in Wenatchee

With our past enrollments we know that space is going to be limited. To give you a better understanding.

We have grown a lot!

We have sped up considerable. As the following is new policies that we have written for just 2023. This is not our full list as renewals grow every year for us.

We provide all of our clients with the opportunity to understand and change policies every year. This is why we request clients that want this opportunity to set their appointment ASAP. Yes, we have grown 241% since 2019. We run 7 days a week for most of the enrollment period.

PEBB and other retirement plans

If you want information about a PEBB Plan then you have to go to the Healthcare Authority. They do not contract with brokers and do not provide training for your plans. We recognize that they can use additional customer service but we can not answer your retirement plan questions during Enrollment Periods. Go here for PEBB & SEBB information and contact your state representative for more customer service for your retirement plan.

Apple Health at Wenatchee Insurance

The Apple Health Unwinding has a huge amount of people looking for insurance.

Apple Health started verifying their clients in April this year. This was after several years of pause due to the medical emergency. We set up a website and have been working hard at assisting everyone that we can in Central Washington keep their Apple Health or transfer into a plan that they can afford. Suzie and Matt work with Apple Health out of our office at 413 Mission in Wenatchee.

Healthcare Regardless of Immigration Status.

Matt at the Enrollment Center has been waiting for nearly a decade. November 1st we start Enrolling. A person can set their appointment now. Selection your appointment now and you can have a plan that starts January 1st 2024!

An Home, Auto, or Business Policy in Wenatchee or start a quote on our Website.

Topics: Health Insurance, Medicare, Prescription, Plan D, Medicare Advantage, Enrollment Center, Wenatchee Insurance, Quincy, Immigrant Health Insurance, Medicaid, Apple Health, Unwinding, Molina, Community Health, Amerigroup,

How does insurance bundling save me money?

Insurance bundling, also known as multi-line or multi-policy insurance, refers to the practice of purchasing multiple insurance policies from the same insurance company. Instead of buying individual policies for different types of coverage, such as auto, home, and life insurance, a customer can bundle these policies together.

While this used to be common in captive insurance companies, it has expanded into independent agencies as well. Some insurance providers will provide a bundling discount if another policy is within the same agency!

Insurance bundling is convenient and can save money. Insurance companies typically offer discounts to customers who bundle multiple policies with them. This can lead to reduced premiums compared to purchasing each policy separately from different providers. Additionally, bundling simplifies the administrative process, as customers only need to deal with one insurance company for their various policies.

Common types of insurance policies that are bundled include:

Auto and Home Insurance: Combining these two policies is a common example of bundling. Customers who own both a vehicle and a home can benefit from a discount by purchasing both policies from the same insurer.

Life and Health Insurance: Some insurance companies offer life insurance and health insurance bundles. Yes, we can assist with Dental, Life, Health, and Medicare Insurance along with property.

Business Insurance Bundles: For business owners, insurance companies often offer packages that combine different types of business insurance, such as general liability, cyber coverage, commercial property, and business interruption insurance. These are often referred to as a Business Owner’s Policy or BOP.

Umbrella Insurance: An umbrella policy provides additional liability coverage beyond the limits of your underlying auto or home insurance. Bundling an umbrella policy with auto insurance can provide comprehensive protection.

While insurance bundling can offer financial and administrative benefits, it’s essential to carefully review the terms, coverage limits, and costs associated with each bundled policy. Sometimes, the cost savings from bundling might be outweighed by limitations or higher premiums for specific coverage types. It’s good practice to compare bundled prices with the total cost of individual policies to ensure that you’re getting the best value and appropriate coverage for your needs.

Topics: Wenatchee Insurance, Insurance Quote, Home Insurance, Car Insurance, Mobile home insurance, Apple Health, Medicare, Wenatchee, Chelan, Fire Insurance, Okanogan, Douglas County, Independent Insurance Agency, Insurance Shopping,

When can I enroll in Medicare?

Turning 65 then we can help with Medicare
You can enroll in Medicare before your 65th Birthday.

Suzie McColm has been assisting people to enroll in health insurance and Medicare for over a decade. If you are local in the Wenatchee Valley, then you might have even seen her during her Safeway or Shopko days as a Pharmacy Technician. She is a licensed insurance producer in the state of Washington.

The top question that she gets is when can I enroll in Medicare?

To enroll in Medicare, including the Annual Enrollment Period (AEP), here is what you need to know:

The initial enrollment period for Medicare typically starts three months before your 65th birthday and ends three months after your birthday month. This seven-month period is called the Initial Enrollment Period (IEP). During the IEP, you can enroll in Medicare Part A (hospital insurance) and Part B (medical insurance).

For example: if your Birthday was July 4, 2023 then you could start enrolling with your IEP starting in April and have Medicare coverage starting July 1st. You would have until all the way until the end of October for your Initial Enrollment Period.

The Annual Enrollment Period (AEP), also known as the Fall Open Enrollment Period, occurs every year from October 15th to December 7th. During this period, you can make changes to your Medicare coverage. Set an appointment early if you would like assistance.

Here are some actions you can take during the AEP:

  1. Switch from Original Medicare (Part A and Part B) to a Medicare Advantage Plan (Part C).
  2. Switch from a Medicare Advantage Plan back to Original Medicare.
  3. Change from one Medicare Advantage Plan to another.
  4. Join, drop, or switch Medicare Part D prescription drug plans.

It’s important to note that the AEP is primarily for making changes to Medicare Advantage and Medicare Part D plans. If you are satisfied with your current Medicare coverage and don’t need to make any changes, you don’t have to do anything during the AEP.

Remember we answer questions year-round about Medicare and Healthcare. The state of Washington does not contract with us regarding SEBB or PEBB options for those questions please go directly to the Health Care Authority.  

Topics: Suzie Health Solutions, Medicare, Chelan County, Health Insurance, Wenatchee Insurance, Enrollment Period, Wenatchee Medicare Insurance, Pharmacy, Enrollment Center, PEBB, SEBB

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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

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