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336 4th St NE
Auburn, WA 98002

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Alpine Ridge Insurance Blog

What Are The Benefits Of Boat Insurance?

No matter if you use your boat for fishing, recreation, or cruising, it is important to have boat insurance. Boat insurance can provide peace of mind in case of an accident, and it can also help protect you from liability in the event that someone is injured or their property is damaged while on your boat. Alpine Ridge Insurance in Auburn, WA can help you navigate this important insurance coverage.

Here are some of the benefits of boat insurance:

1. Protection in the Event of An Accident

No one likes to think about what could go wrong while they’re out on the water, but accidents can and do happen. Whether you collide with another boat, a dock, or even a buoy, your boat insurance will help cover the repair cost.

2. Coverage for Weather-Related Damages

We all know that the weather can be unpredictable, and even the most experienced boat captains can’t always avoid bad weather. If your boat is damaged in a storm, your insurance policy will help to cover the cost of repairs.

3. Protection from Theft and Vandalism

Unfortunately, boat theft is not uncommon. If your boat is stolen or vandalized, your insurance policy will help cover repairs or replacement costs. If you talk to a reputable company like Alpine Ridge Insurance in Auburn WA, you can get comprehensive boat insurance policies for optimum protection.

4. Discounts on Safety Courses

Most boat insurance companies offer discounts to policyholders who take safety courses. This is because they know that educated and experienced boaters are less likely to have accidents.

Give Us A Call

As you can see, there are many good reasons to have boat insurance. If you’re a boater in Auburn, WA, be sure to talk to Alpine Ridge Insurance about getting a policy that’s right for you.

We’ll be happy to answer any of your questions and help you find the perfect coverage for your needs. Give us a call today.

How Often Should I Review My Home Insurance Policy?

At least once a year, you should assess all of your insurance needs. Contact your insurance agent or business representative if you undergo a significant life change since it may influence your insurance needs. 

You should also check your coverage after a large purchase or great life event, including getting married, purchasing a home, sending your child to college, or receiving an inheritance. Alpine Ridge Insurance in Auburn, WA is here for guidance. 

How Does Insurance Review Work? 

An insurance review is a comprehensive examination of your coverage, including the policies that protect your automobiles, home, family, and other possessions. Consider the help of an experienced agent to analyze your insurance coverages and benefit from their skills and knowledge. An agent knows many insurance products and may offer expert advice. They can guide on which coverages to apply for during a specific scenario. 

An insurance review may provide you peace of mind that your most valuable possessions (and family members) are sufficiently secured in a fire, theft, or severe weather disaster. If your agency determines that you are qualified for discounts or require less coverage than you had previously, a review might potentially decrease your insurance premiums. 

You Might Need an Insurance Review at Other Times

Aside from life events that may need an insurance review, there are occasions when you should contact your insurance agent to assess your coverage. Suppose you have expensive, high-value goods on your property or are making efforts to improve the safety of your home, such as installing an alarm system or updating your electrical system. In that case, your insurance coverage may need to be reviewed. If natural catastrophes (such as hurricanes) have become more common in your region, you may wish to update your policy to reflect these new risks. 

Should You Check Your Insurance Policy? 

Regularly reviewing your insurance coverage is vital to ensuring that your property, assets, and loved ones are effectively covered. If the conditions have changed or you’ve had a "qualifying event" or "life-changing event" as defined by insurance, you might wish to seek an insurance review. The events include having a child, getting married, and other significant life events.

Contact Us Today

For further information, see your insurance representative. Your solution in Auburn, WA is a call away at Alpine Ridge Insurance.

What If I Don’t Insure My RV And Have An Accident?

If you are an RV owner in Washington state, you should get RV insurance since all vehicles in the state are mandated to have insurance to drive on public roads. If you don’t insure your RV and get into an accident in Auburn, WA, here is what you should know. Suppose you are caught driving your RV without at least a minimum of RV insurance coverage. In that case, you can face serious consequences like license suspension, license revocation, fines, and jail time. However, the severity of the consequences could vary depending on whether you were the at-fault driver or not.

1. If You Are the At-Fault Driver

If you are in an accident with your uninsured RV and are the at-fault driver, you will have to agree to pay for damages and injuries you caused. Since you don’t have insurance, the payment will be from out of your pocket. At Alpine Ridge Insurance, we recommend that you negotiate with the other driver on compensation immediately. If you refuse to pay, the other driver can sue you, and you will also have to pay for your legal fees out of pocket. If you cannot pay for the damages and injury you caused, the court will permit the other driver to recover those costs through wage garnishment. Therefore, the money you owe the other driver will be deducted directly from your paycheck. All these will likely ruin you financially.

2. If the Other Driver Is at Fault

If the accident involves your uninsured RV and the other driver is at fault, the other driver will compensate you for the damage and injury based on the state’s limits. However, you will still face the penalties of driving your RV without insurance. 

Do you have questions about RV insurance in Auburn, WA? At Alpine Ridge Insurance, we will help you figure out your RV insurance. Call us today.

Washington state auto insurance requirements

Drivers in Washington state have some gorgeous scenery to enjoy. Hopefully, it isn’t so gorgeous, it is a distraction. Alpine Ridge Insurance in Auburn, WA is a multi-generational family insurance company. We want to get to know you so that we can give you the level of service you deserve from your local independent insurance agent.  

Washington state auto insurance requirements

The required type of insurance in Washington state is liability coverage. The mandated amount to comply with the law is 25/50/10. That is $25,000 in bodily injury for one person and $50,000 for multiple injuries. Given the cost of medical care, this amount could be very inadequate. If the injuries go greater, you could end up paying out a lot of money that you may not have. With only $10,000 for property damage, hopefully, you won’t have an accident with a new vehicle. 

If you have an auto loan, you will need to cover the car, which requires collision and comprehensive coverage. Collision coverage is exactly what it sounds like, coverage for damage due to a collision. It can be with another car where you are at fault, it can be a one-car accident or a hit and run. 

Comprehensive coverage is sometimes called non-collision coverage. Many things can cause damage to your vehicle that doesn’t involve a collision. If your vehicle is stolen, you want to be able to replace it. If you are driving down the road and a deer runs into your vehicle, it can cause a lot of damage. Weather can cause many different types of auto damage. If a rock flies up and hits your windshield, you will be able to get it replaced. 

Contact Alpine Ridge Insurance in Auburn, WA at our office by stopping by or giving us a call. We look forward to serving your insurance needs. 

Who Needs to Get Boat Insurance in Auburn?

Those that are in the Auburn, WA area will find that the warm months of the year are a great time to get outside and enjoy all of the amazing recreational activities available in this part of Washington. One fun activity that anyone will enjoy is going out on the water in their very own boat. While investing in a boat can provide you with a lot of great memories, boat ownership does come with other responsibilities as well. One responsibility is your need to get the right insurance. There are various situations when someone will need this coverage.

When Trying to Cover Asset

A situation when someone will want to have a boat insurance plan is when they want to cover their asset. A boat owner will make a big investment into their watercraft and insuring it is a great way to protect it. With a proper insurance plan, you will remain properly covered at all times. 

When Mitigating Liability Risk

You also need to get a boat insurance plan to mitigate your liability risk. Those who are going to operate a boat will always have the risk that they could cause an accident. With the right insurance plan in place, you will have the support needed to cover any costs that are associated with an accident up to the policy limit. 

Getting the right insurance for your watercraft in the Auburn, WA area is important. As you are looking for coverage in this area, starting your search with Alpine Ridge Insurance is a great idea. There are a lot of choices to make along the way when looking for protection and Alpine Ridge Insurance can help you build the right plan. This can ensure your boat is protected and that you are able to mitigate your liability risk. 

Should you get home insurance in Auburn?

Owning a home has continued to be a good way to build long-term wealth. Those that are interested in being property owners should consider buying in the Auburn, WA area. This region of the state has continued to be beneficial for property owners due to value appreciation and having a consistent place to live in the community. As you assess your housing options, you need to ensure you choose a quality insurance plan. Your home insurance should be considered a necessity for various reasons. 

Ensure You Protect Assets

While your home is a place you will live in, it is also going to be among the most valuable assets you will ever own. Because it is a major asset, insuring and protecting it as well as possible should be a top priority. A quality home insurance plan will give you ample coverage for your home and also any personal belongings that you keep under the roof up to the policy limits.

Liability Risk Mitigation

You also should consider a home insurance plan for the liability risk mitigation you can receive. Those that are property owners are going to regularly take on the risk that they could be held liable for certain accidents. If you get the right insurance protection, you can help to mitigate this risk as your home insurance plan will include a liability insurance provision.

If you are looking for home insurance in the Auburn, WA area, it would be wise for you to call Alpine Ridge Insurance. There are a lot of choices to make when choosing a home insurance plan and Alpine Ridge Insurance can help you evaluate all options. This can give the support you need to build a plan that will cover your assets and keep you in compliance with requirements. 

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