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101 D St NE
Auburn, WA 98002

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Alpine Ridge Insurance Blog

RV Insurance 101: Understanding Your Coverage Options

Recreational vehicles, or RVs, are a great way to explore the open road and experience the beauty of the great outdoors. However, it’s important to remember that RVs are also a significant investment and need to be protected with insurance. At Alpine Ridge Insurance, serving the greater Auburn, WA community, we understand the importance of protecting your RV and have developed a range of coverage options to suit your specific needs.

RV Insurance Coverage Options

The first type of coverage to consider is liability coverage. This coverage will protect you in the event of an accident where you are found to be at fault and are responsible for damages or injuries to another person or their property. It’s important to note that liability coverage does not cover damage to your own RV.

Another coverage option to consider is collision coverage. This coverage will protect you in the event of an accident where your RV is damaged, regardless of who is at fault. It’s important to note that collision coverage may come with a deductible, which is the amount you will need to pay out of pocket before your insurance coverage kicks in.

Comprehensive coverage is another option to consider. This coverage will protect you in the event of damage to your RV from things like theft, vandalism, or natural disasters. It’s important to note that comprehensive coverage may also come with a deductible.

At Alpine Ridge Insurance, we understand that every RV owner has unique needs and we will work with you to develop a coverage plan that fits your specific situation. We offer a range of additional coverage options such as emergency expense coverage, personal effects coverage, and roadside assistance coverage.

Contact Us Today

Owning an RV is an exciting experience, but it’s important to remember that it’s also a significant investment that needs to be protected. At Alpine Ridge Insurance in Auburn, WA, we have developed a range of coverage options to suit your specific needs and will work with you to develop a coverage plan that fits your situation. Contact us today to learn more about our coverage options and to get a quote for your RV.

If My Car Is Damaged By a Home Fire, Is It An Auto Insurance Claim or a Home Insurance Claim?

Nobody wants to think about life-changing events happening, but accidents and unexpected events happen all the time. Here at Alpine Ridge Insurance, serving the greater Auburn, WA area, we have seen the unexpected occur, and we have seen how it disrupts our clients’ lives. Having the right insurance can help prevent this from happening.

One of the questions that we have recently been asked is whether you file an auto insurance claim or a home insurance claim if your vehicle was damaged or destroyed in a home fire. We are here to assist with all your queries.

If My Car Is Damaged By a Home Fire, Is It An Auto Insurance Claim or a Home Insurance Claim?

As a general rule of thumb, most home insurance policies exclude vehicles that have a motor in them. This typically includes your car, a motorhome, a boat, a motorcycle, or any toys you may have, such as a 4-wheeler or snowmobile. If your home catches fire, these items are excluded from your home insurance policy, which means you will have to file a claim under your vehicle policy. In order for your claim to be accepted, you need comprehensive coverage on the vehicle.  

Consult With Us Today

Having the right insurance products is extremely important in the event that the unexpected happens. It helps to ensure you are covered and protected from any event. At Alpine Ridge Insurance, serving the greater Auburn, WA area, we are pleased to help clients find the products that are best for them and offer them the protection they need. Schedule an appointment with us and let’s work together to help you get the insurance products you need. 

Three things you shouldn’t assume about your boat insurance policy

The more well-informed you are about boat insurance, the better protected you will financially be while boating. At Alpine Ridge Insurance, we can provide you with the information you need to make good decisions as a boat owner in Auburn, WA. 

Many boaters make bad choices because of inaccurate assumptions they make about insurance coverage.

The following are three things you shouldn’t assume about your boat insurance policy:

You enjoy coverage everywhere once you’ve purchased boat insurance

A boat insurance policy will only cover you when you are boating if you are located within certain geographical limits.

Unfortunately, you will not be covered by your policy if you go boating outside of the geographical limits that are specified in the details of your policy. 

It’s always best to buy boat insurance from the same company you buy a home and/or auto insurance from

While you can sometimes enjoy lower boat insurance rates from the same company that insured your car and boat, this is not always the case.

It’s always best to shop around and get quotes from other providers before buying a boat insurance policy from an insurance provider of which you are already a customer. 

It’s not really necessary to purchase boat insurance.

It’s never a good idea to forego boat insurance coverage. Although boat insurance is not required by law in the state of Washington, failing to carry coverage could lead to severe financial consequences if you end up in a boating accident.  

Contact Us Today

Let us answer your questions about boat insurance. At Alpine Ridge Insurance, we have boat insurance policies available. Boat owners in Auburn, WA can get a policy quote for their boat in by emailing or calling us.

Home Insurance 101: What’s Not Covered?

If you’re a homeowner in Auburn WA, you probably have home insurance. But what exactly does your home insurance cover? — what doesn’t it cover? Alpine Ridge Insurance has answers!

Home Insurance Exclusions

1. Pre-existing damage

Home insurance policies generally don’t cover damage that was present before you took out the policy. So, if your home already had some water damage in the basement before you bought your policy, don’t expect your insurer to foot the bill for repairs.

2. Maintenance and repair issues

Similarly, home insurance policies also typically exclude coverage for maintenance and repair issues. So, if a pipe bursts in your kitchen because you neglected to fix a leaky faucet, your home insurance policy probably won’t cover the resulting water damage.

3. Floods and earthquakes

Floods and earthquakes are two of the most common natural disasters in the United States—but they’re also two of the most excluded perils in home insurance policies. If you live in an area that’s susceptible to either one of these events, you’ll need to purchase a separate flood or earthquake insurance policy to be protected.

4. Termites and other pests

Termites and other pests are another common exclusion in home insurance policies. While some insurers offer limited coverage for termite damage, it’s typically only available as an add-on rider to your existing policy—and it generally comes with stringent limitations. As such, if you live in an area that’s prone to infestations, you may want to consider purchasing a separate pest control policy.

Contact Us Today

If you have any questions about what your Auburn, WA home insurance policy covers (or doesn’t cover), don’t hesitate to reach out to Alpine Ridge Insurance for clarification. If you need to make changes (like adding a rider or flood insurance), we are here for you.

How to Choose RV Insurance in Washington?

If you’re a proud recreational vehicle owner, then you know a lot goes into keeping your RV insured and on the road. In Washington State, all vehicles must have insurance coverage, and RVs are no exception. But with so many types and levels of coverage available, it’s challenging to determine exactly what kind of RV insurance you need.  Alpine Ridge Insurance in Auburn, WA provides a quick overview to help you decide.

Types of Recreational Vehicle Insurance

Four types of recreational vehicle insurance are available: collision, comprehensive, liability, and medical payments. 

Collision Coverage

This type of coverage will help to repair or replace your recreational vehicle if it is damaged in an accident with another vehicle or object. Collision coverage is not required by law but is recommended for owners of newer or more expensive RVs. 

Your Alpine Ridge Insurance agent can help you determine whether collision coverage is right for you and, if so, how much to purchase.

Comprehensive Coverage

Comprehensive coverage helps to repair or replace your recreational vehicle if something other than a collision, such as fire, theft, or weather damage, damages it. Like collision coverage, comprehensive coverage is not required by law but is recommended for newer or more expensive RVs. 

Liability Coverage

Liability coverage helps pay for damage or injuries you may cause to another person or their property while operating your recreational vehicle. Liability coverage is required by law in Washington State and is typically sold in two forms: bodily injury liability and property damage liability. 

Get RV Insurance Today

Your Alpine Ridge Insurance agent in Auburn, WA can help determine whether collision coverage is right for you.

We understand that insuring your recreational vehicle is an important investment. Contact us today for more information.

Required Auto Insurance in Washington

When you have a vehicle in Washington, you have to have insurance for it by state law. This insurance has to have a number of types of coverage that are required to be in the policy, including a few types that come with policies but can be rejected if you choose to. However, the amounts of coverage required in Washington are small when compared with other states. It’s generally a good idea to get higher amounts of coverage than are required as the minimum amounts.

When you need auto insurance in the state, call us at Alpine Ridge Insurance in Auburn, WA.

Liability Coverage Types

In Washington, there are two types of liability coverage that are required that encompass three different coverage amounts. There are two amounts required for bodily injury liability coverage. One is an amount for one person who becomes injured in a vehicle accident, and the other is for all of the parties who become injured. Both of these coverage amounts pay for the medical bills, lost wages, and other costs that are due after there is an accident that is your fault. There is also an amount required for property damage liability coverage. This pays for the property damage done to the other party’s items such as their vehicle or building. 

Other Types of Auto Coverage

There are three other types of coverage that come with auto policies in Washington that can be rejected if you want to take them out. However, it’s a good idea for your protection to keep them. One is bodily injury coverage for accidents with underinsured motorists. The second one is property damage coverage for underinsured motorists. The third is basic personal injury protection. This covers your own injuries after an accident. 

Get Protected With Auto Insurance

To get the policy you need, call us at Alpine Ridge Insurance in Auburn, WA.

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. 

States We Serve

  • Washington
  • Oregon
  • Idaho
  • Colorado
  • Arizona
  • Texas
  • Montana
  • Oklahoma


Partner Carriers

  • American Modern
  • American Reliable
  • Bristol West
  • Encompass
  • Foremost
  • GeoVera
  • Hagerty
  • Mapfre
  • National General
  • Progressive
  • Safeco
  • Selective Flood