3 Tips for Buying Umbrella Insurance in Spokane, WA

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Umbrella insurance is extra coverage you can add to your existing insurance policies. For example, you can add umbrella insurance to your homeowners insurance to cover any events that your policy may not cover. If you have a dog, for example, and it bites a neighborhood kid, the parents may decide to sue. Rather than dip into your savings or 401k for funds to cover litigation, you can use your umbrella insurance to help cover costs. This is just one of many scenarios that could happen unexpectedly and for which you will be grateful to have umbrella insurance. To learn more about acquiring this all-important policy and save money in the process, keep reading. 

1. Compare Quotes

When shopping for an insurance policy, it’s vital to compare several quotes. This way, you can find the best coverage for your particular needs. The team at Western Insurance Associates will help you comb over each quote and find the right one at the right price.

2. Bundle Your Policies

An easy way to save money on a new umbrella insurance policy is to bundle it with your other policies. You probably have auto insurance, life insurance, and homeowners insurance. When you bundle all your policies under one insurance company they will reward you with lower premiums.

3. Work with a Reputable Agent

Agents know the insurance business. They are able to point out differences in policies and help you find the best price for your needs. Working with a reputable agent will guarantee you get the best umbrella insurance policy.

To learn more about umbrella insurance, contact the team at Western Insurance Associates, serving the Spokane, WA area.

 

What You Need Documented for a Claim

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If you need to file a claim with Western Insurance Associates, then documentation is going to be very important. You will want to document everything. If your home has been burglarized or damaged, then you need photographs or videotapes to show the aftermath. This documentation is also important if you are given a lower payout than expected and need to appeal.

If there is an injury, include everything in the documentation. This includes the date, time, and as much detail from the incident as you can.

Having documentation before something happens to your personal belongings can be helpful. If your home is destroyed, it can be difficult for you to remember every little item that was in your home. If you want to get the most out of your payout, then the more documentation you can provide, the better. First, document what you own. Take pictures and videos of your stuff and walk through your home to get images of bigger ticket items, such as appliances or electronics. If things cost more than average, be sure to document these items. Examples can include an expensive kitchen mixer or a fancy vacuum. These items can usually be bought for much cheaper, but if you have nicer ones, you want that documented. Be sure to document the make and model number for electronics.

This isn’t overkill, even if you have pictures, because you need to prove that you own these items. Model numbers can also help track down your items if theft is involved. In addition to documenting the items, you need to document the value. Keep receipts, but if your house burns down, these receipts won’t be much help. For big-ticket items, take photos of the receipts and keep these photos in the cloud or any area away from your home in Fairfield or Spokane, WA.

Contact Western Insurance Associates, serving Spokane, WA and those around the state, to get a quote on home insurance.