Benefits of Keeping Year-round Motorcycle Insurance

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In places like Spokane, where motorcycles often get tucked away during the colder months, it might seem logical to cancel or pause your insurance until spring. But doing so could leave you exposed to unexpected problems. Theft, vandalism, and garage-related damage can still happen when a bike’s not on the road. Without active coverage with the help of Capital Insurance serving Spokane, WA, and surrounding areas, those losses would likely fall entirely on you.

Maintaining Continuous Coverage Pays Off

Keeping your motorcycle insured year-round can also help you maintain lower premiums over time. Insurance companies often look at gaps in coverage when calculating future rates. A lapse, even during the off-season, might lead to higher costs later on or fewer options when you’re ready to ride again.

It’s also worth considering how liability protection still matters. If someone is injured while handling your stored bike, or if the bike is involved in an unexpected incident—say, falling over and damaging someone else’s property—your policy could help cover those expenses.

Convenience and Peace of Mind

Another benefit of staying covered? Simplicity. You don’t have to remember to reactivate your policy before your first ride in the spring or deal with potential delays. Your coverage is already in place, and you can hit the road the moment the weather cooperates.

Motorcycle insurance isn’t just for the summer months. In Spokane’s varied climate, being covered all year gives you flexibility and protection without interruption. Talk to a local insurance agent about affordable options that make sense for seasonal riders. That way, your motorcycle stays protected, your rates remain stable, and you stay ready—whenever the open road calls. Stay ready, stay protected with Capital Insurance serving Spokane, WA, and surrounding areas.

Who Actually Needs Umbrella Insurance (It’s Not Just the Wealthy)

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Many people associate "umbrella insurance" with the super-rich. At Capital Insurance, serving the greater Spokane, WA region, we often encounter this misconception. Umbrella insurance isn’t exclusive to millionaires with yachts and vacation homes. It’s for anyone seeking an additional layer of protection against the unexpected.

Even the Most Careful People Can Face Accidents

Even the most cautious individuals can find themselves facing a lawsuit. A slip and fall on your icy sidewalk or a car accident where you’re at fault can quickly exceed the limits of your standard auto or homeowners policy. This is where umbrella insurance comes in, providing coverage where your other policies fall short.

Homeowners, Drivers, and Hosts are All Candidates

If you own a home, drive a car, or host gatherings, you’re exposed to liability risks. Consider someone getting injured at your barbecue or your teenager causing a major accident. These scenarios are not far-fetched and can happen to anyone. Umbrella insurance helps cover legal fees, medical bills, and settlements, so you don’t have to pay out of pocket.

Extra Security Doesn’t Have to Be Expensive

The best part? Umbrella insurance is surprisingly affordable, especially considering the amount of coverage it provides. It’s a small price to pay for the extra security that comes with knowing you’re covered beyond your basic policies.

At Capital Insurance, proudly providing umbrella insurance to residents throughout the greater Spokane, WA area, we’re here to help you understand if umbrella coverage is a suitable choice for you. Reach out today and let’s discuss protecting what’s most important to you.

Does Flood Insurance Cover Damage from Extreme Snow Melt in Spokane WA?

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The recent bouts of extreme weather in Washington have left some homeowners grappling with the costs of storm-related damages and reconsidering the limits of their current flood insurance policies.

Learn more about flood insurance and find out if your current policy covers damage from extreme snowmelt from the professionals at Capital Insurance in Spokane, WA.

Does Flood Insurance Cover Damage from Extreme Snow Melt in Spokane?

Many homeowners mistakenly assume that their home insurance policy will cover flooding caused by natural or man-made disasters.

Homeowners’ insurance policies typically don’t provide coverage for floods. Floods caused by natural disasters and plumbing emergencies can lead to thousands of dollars in damages and out-of-pocket expenses without insurance.

Financially savvy homeowners should invest in a comprehensive flood insurance policy to offset the costs of flood-related damages and high out-of-pocket expenses.

A flood insurance policy can help cover the costs of damages, repairs, and replacements in cases of extreme snowmelt that meet National Flood Insurance Program guidelines.

The best way to find out if your current policy has comprehensive flood insurance provisions is to contact a trusted local insurance agent.

An experienced local agent can help you review your policy to ensure you have adequate insurance coverage to protect your home, vehicle, or business.

Get a Flood Insurance Quote in Spokane

Don’t wait until the next extreme weather event causes costly flood damage.

Local homeowners seeking a comprehensive insurance solution should talk to a trusted agent to learn more about how flood insurance can help offset the costs of repairing or replacing their homes’ internal and external components after a flood.

Talk to a licensed insurance agent at Capital Insurance to get a customized flood insurance quote and start a new policy today!

What to Do When An Uninsured or Underinsured Driver has Hit You

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When you own a car in the State of Washington, you are legally required to purchase auto insurance. Many drivers have questions about their insurance and how much coverage they should buy. If you live near Spokane, WA, our team at Capital Insurance invites you to discuss your policy options with us. We’ve been working with clients in your area since 2011.

What to Do When An Uninsured or Underinsured Driver Has Hit You

When you’re involved in a car accident, you may feel overwhelmed. You might feel even more uneasy if the driver that hit your car was uninsured or underinsured. Although the State of Washington requires every driver to have car insurance, some drivers have less coverage than their car has sustained, and some choose to drive without insurance.

Some auto insurance policies include uninsured/underinsured motorist coverage. If you have this type of coverage, you can file a claim with your insurance company. This coverage will also pay your expenses if your auto accident was caused by a hit-and-run driver or by a driver whose erratic steering caused you to damage your car. Your policy’s collision coverage and PIP will pay for damage to your vehicle and any reasonable medical expenses.

Call Us for Your Appointment Today

Whether you need an insurance policy for a new car or want to change your current policy, our team at Capital Insurance is prepared to provide you with the information you need. Each staff member to customer service, and we welcome your call. Clients in the Spokane, WA, area will find us prepared to discuss their insurance needs. Call us for an appointment today, and let’s talk about insurance.

What Does Business Liability Mean?

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If you’re a business owner, one of your responsibilities is to protect your business assets by purchasing commercial insurance. You may have questions about which types of insurance your company needs. Businesses in the Ankeny, IA area can get answers to their commercial insurance questions by talking to our team at Maschoff Insurance. We have been working with businesses in your area since 1898.

What Is Business Liability?

New business owners may wonder about the true meaning of liability when it comes to your business’ responsibilities. According to Thimble, general liability insurance covers a business if a non-employee injures themselves at your business or because they are using one of your products. Foreseeing an accident that could occur and result in a liability claim is impossible. Therefore, purchasing liability insurance is your best protection against the expenses of that claim.

Although there are several types of insurance your business must buy, liability insurance must be your greatest priority. According to Thimble, while it isn’t federally mandated by law to carry liability insurance, many states have minimum liability insurance requirements. Before signing your policy, be sure to check your new policy to understand its guidelines thoroughly. For example, a liability insurance policy will not cover any actions performed intentionally to harm someone else.

Contact Us Today for Your Appointment

In addition to liability insurance, your business will need to purchase health and worker’s compensation insurance for your company. Business clients in Ankeny, IA will find the answers to their insurance questions from our team members at Maschoff Insurance. Our agents are dedicated to offering various insurance options to help you choose the right policy. Call us for an appointment today, and let us help you choose the right insurance.

Determining Personal Property Coverage with Boat Insurance Policies in Spokane, WA

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Anytime you invest in a boat in Spokane, WA, it’s essential to consider the type of insurance coverage you’ll be obtaining to protect your vessel and any gear or personal items onboard. When you want to protect electronics, furniture, fishing gear, and even valuables you store on your boat, you can obtain a personal property insurance policy within an existing boater’s insurance policy. At Capital Insurance, we will work with you to safeguard your belongings from risks such as damage, loss, or theft, regardless of the size and type of boat you own.

Understanding the Basics of Personal Property Coverage

While a standard boating insurance policy may protect against accidents, collisions, and weather-related events, it may not protect your belongings and interior valuables. Personal property protection can protect equipment such as:

  • GPS systems and other boat-related electronics
  • Personal items and clothing
  • Sporting equipment
  • Fishing gear
  • Tools

Key Considerations for Personal Property Coverage

  • Policy Limits: When comparing personal property policies, ensure the coverage amount equals the estimated value of your belongings and/or furnishings.
  • Perils: Examine and compare specific perils you will receive coverage for, such as incidents involving storm damage, theft, or even fire.
  • Deductibles: Compare deductibles to minimize out-of-pocket expenses.
  • Exclusions: Compare exclusions that may range from negligence to wear and tear to find a sufficient policy for your needs.

Understanding the type of personal property coverage you require alongside your boat insurance policies in Spokane, WA, is imperative for any boat owner or watercraft aficionado. Tailoring your insurance policies to suit your needs based on assessing and valuing your valuables and belongings is crucial to protecting against specific risks in the Spokane region. If you want to learn more about personal property coverage with your existing boat insurance policy, contact Capital Insurance for your quote and consultation today.

How Classic Car Insurance is Different From a Regular Auto Policy

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Although you can bundle your classic car with other autos you own in Spokane, WA, separating your prized vehicle into a different policy can provide unexpected benefits. Most likely, you rarely drive your classic car, but you’ll still need to protect it adequately. Capital Insurance can outline why safeguarding your vehicle with a classic car policy makes sense.

What is a Classic Car?

In Washington State, a classic car must be at least 30 years old, capable of operating on a roadway, and owned as a collector’s vehicle. These requirements limit the car’s use. You can only operate your vehicle for auto shows, club activities, parades, special exhibitions, and similar events. Additionally, each company insuring classic cars has specific requirements, so you’ll have to meet those requirements to get a policy.

The Differences in Classic Car Policies

Some companies specialize in insuring these vehicles because they understand the differences between them and cars and SUVs used for transportation. You’ll often find that it will cost less to insure your classic vehicle with a specially designed policy. The most significant reason for this is that owners don’t drive these cars much. Thus, they have less risk of getting into an accident. Other major differences include the following:

  • Insuring the vehicle to its agreed value
  • Payment for original parts if the car is damaged in a covered incident
  • Your insurer may require vehicle storage in a safe place when not used
  • Optional higher coverage when your vehicle is under construction

Some policies may also have annual mileage restrictions and require proof that you have a vehicle for everyday use.

Discover how you can benefit from securing a classic car insurance policy. Schedule a consultation with the agents at Capital Insurance, serving Spokane, WA, to get started on your coverage.

What is Recreational Insurance and Why Should I Invest in it?

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If you’ve heard the term recreational insurance, you might be curious about what it entails and how it differs from other insurance options. Here, we provide more information about this type of insurance and why it’s beneficial.

What is Recreational Insurance?

Recreational insurance covers recreational vehicles such as ATVs and UTVs. It provides insurance protection in the event of an accident, offering coverage and peace of mind when you’re out enjoying the outdoors. This policy is designed to protect you in all weather conditions, allowing you to pursue your favorite hobbies with insured protection for you and your family.

Vehicle Replacement

With recreational insurance, you can file a claim if your ATVs or UTVs are damaged in an accident. Whether the accident was your fault or caused by someone without insurance, this claim can protect your investment, ensuring you either get your money back or replace the vehicle.

Liability Coverage

Recreational vehicles are often enjoyed in large groups, increasing the risk of accidents. If you cause an accident resulting in injury to someone else, your policy can assist with liability coverage. This can help cover any property damage or medical expenses they incur, preventing you from bearing the financial burden.

Theft

Regrettably, recreational vehicles are often high-risk targets for theft. If you have an insurance policy, you can file a claim to replace or repair the stolen item if it’s found damaged later. Without recreational insurance, you would still be responsible for any payments on the vehicle and its replacement.

If you’re seeking a personal policy on recreational insurance, contact us at Capital Insurance today. We serve clients in and around the Spokane, WA area.

Renters Insurance Upon Eviction

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Renters’ insurance offers essential protection for personal belongings, liability issues, and additional living expenses if a rental unit becomes uninhabitable due to a covered incident. However, uncertainties surrounding renters’ insurance can arise during eviction situations. Thus, if you’re situated around Spokane, WA, it’s vital to understand how eviction impacts your renters’ insurance policy to ensure continuous coverage in case of eviction.

Understanding the Impact of Eviction on Renters’ Insurance

Eviction primarily involves the legal process through the court system, where landlords oust tenants from the premises due to non-payment of rent and violation of lease terms, among other legal reasons. Upon eviction, lease agreements are nullified, effectively impacting the status of renters’ insurance.

Renters’ insurance policies are primarily tied to the tenant’s specific rental property. Eviction translates to no longer residing at the insured address, meaning your policy may cease its coverage for that particular location. However, the policy may continue to cover your personal belongings until official policy cancellation or upon moving to a new residence. Thus, reviewing the terms of your renters’ insurance is crucial to comprehend the implications for coverage during relocation.

Covering Personal Belongings after Eviction

Post-eviction, renters’ insurance may continue to cover your personal belongings if they’re damaged or stolen while in transit or storage. Nevertheless, this coverage depends heavily on the specific terms of your policy, particularly if you are in between residences. Some policies provide a grace period, offering temporary coverage post-eviction, while others may necessitate immediate policy cancellation or transfer. If you are evicted, it’s essential to consult with your insurance provider to clarify the specifics of your coverage.

Rely on Capital Insurance for Clarity on Insurance Matters

Capital Insurance is dedicated to providing comprehensive insurance solutions and crucial information. We serve various locations in and near Spokane, WA. Contact us today for more details.

Do Motorhomes Need Special Insurance?

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To get the most out of your vehicle ownership, you need to ensure you’ve got the right insurance for different types of vehicles. Vehicles, such as motorhomes, often require special insurance. A regular auto policy won’t do. At Capital Insurance, serving Spokane, WA, and the surrounding areas, we want to help motorhome owners make the best insurance choices. Let’s learn more about why these vehicles need special insurance coverage. 

Size

A motorhome is much larger than an average vehicle, which means that it carries the risk of causing more damage should it be in an accident. If you don’t have the right insurance coverage for your motorhome and it’s in an accident, then you might be held liable for some of the expenses that are incurred. This could prove to be a financial hardship for you. 

Living Capabilities

Motorhomes can also be used as residences. If so, the owners will need the appropriate coverage. You would want coverage that protects your personal belongings within the home and damage to the motorhome. A regular auto policy would not provide this. 

Reduce Risk of Liability 

Driving a motorhome requires special skills and diligence. Because of the size of most motorhomes, there is an increased risk of accidents, and greater amounts of damage can result from those accidents. If your motorhome isn’t adequately insured, you may be liable for the damage or injuries caused. You can protect yourself by keeping the appropriate coverage active. 

If you’d like to learn more about motorhome insurance, please contact us at Capital Insurance, serving Spokane, WA, and the surrounding areas.

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