- Auto InsuranceMost rental car companies offer collision and comprehensive coverage, which is aimed at protecting the rented vehicle. In many cases, if you have a personal auto policy, it may already cover the usage of a temporary replacement vehicle, typically up to 12,000 gross vehicle weight (GVW). However, if the rented vehicle exceeds this weight limit, it would likely be excluded from coverage. Another factor to consider is whether the truck’s cab is separated from the bed, as this can also create an exclusion from coverage under most auto insurance policies.
- Motorcycle InsuranceHitting the open road on a motorcycle for a day of adventure, either alone or with friends, is a feeling like no other. Whether you’re going for a road trip on a touring bike or just tooling around town on a scooter, motorcycling is inherently risky. Motorcycle insurance can help protect you and others should you have an accident while riding. Many of the coverages available on a Motorcycle policy are similar to those on an Auto policy (Liability, Collision, Comprehensive, etc). But there are also some coverages specific to Motorcycle insurance that are worth considering...
- Boat InsuranceHeading out on the water can be a relaxing way to spend time with family and friends. Boat insurance can help protect not only your vessel but also protect you should someone get injured while you’re operating your boat. There are several different types of coverages that you can purchase with a boat insurance policy...
- RV InsuranceThe type of RV that you own and the way that you’re using that RV will determine what RV insurance coverages that you need. For Towable RVs and Motorized RVs, many of the same coverages available on your Auto policy would be available for your RV policy. These include Liability, Collision and Comprehensive coverages. But for Park Models and for some Class A RVs, coverages more in line with your Homeowners policy would be recommended. Some of these extra RV coverages include...
- Snowmobile Insurance
- ATV InsuranceBy keeping your motorcycle insurance, RV insurance, ATV insurance, or boat insurance in effect year-round, you not only avoid costly out-of-pocket expenses but may also be eligible for premium savings.
- Golf Cart Insurance
- Dune Buggy Insurance
- Truck InsuranceOr commercial truck insurance is another aspect of business insurance that should be considered if using vehicles as part of your business. Private passenger insurance will explicitly exclude any coverage for claims arising from the use of these vehicles for your business.
- Renters InsuranceMany renters feel that they don’t need to get Renters insurance. Some feel that the insurance that their landlord has will cover any losses (which isn’t true). Others feel that their personal items aren’t worth insuring. But regardless of the reason, Renters insurance is an inexpensive way to protect your belongings. Some things to think about when considering a Renters insurance policy include the following...
- Home InsuranceYour garage catches fire and burns your motorcycle, boat, or ATV inside (Comprehensive claim for the vehicle, not covered by home insurance).
- Condo InsurancePurchasing a condominium is a great way to have a sense of ownership without many of the hassles associated with owning a home. Although the Condominium Association of a condominium complex will often take responsibility for the landscaping, roof, and exterior walls of a unit, condo owners are still responsible for the interior and for their personal belongings. Condo insurance, also known as an HO-6 policy, is the best way to make sure your belongings are protected from damage or theft. It will also protect the owner from liability claims should someone get injured while visiting. Some things to think about when considering a Condo insurance policy include the following...
- Landlord InsuranceSimilar to a Homeowner policy, Landlord insurance provides property damage coverage to insure your residence. There are several different types of property damage coverage. To get the full amount of your property insured without the risk of depreciation, ask for a Guaranteed Replacement Cost policy. It’s often slightly more expensive than an Actual Cash Value policy, but it will guarantee that you’ll be returned to pre-loss condition should you have a total loss of the property.
- Life InsuranceLife is unpredictable, and the uncertainty causes stress. Let our life insurance advisers offer recommendations for you and your family to offset the uncertainty. We work with a wide range of insurance companies who provide coverage to meet the needs of the diverse families found in Washington.
- Health InsuranceMedical Payments coverage, also known as Medpay, can help pay for injuries of drivers or passengers regardless of fault. It’s often an affordable supplement to your medical insurance.
- Long Term Care
- Business InsuranceAs a business owner, your insurance needs are complex and ever-evolving. The experts at City Insurance Center will review your business operations and provide a comprehensive recommendation for the right amount of coverage. The insurance companies we work with provide a wide range of business insurance packages that can provide you peace of mind so that you can focus on growing a successful enterprise.
- Commercial Property InsuranceIf your business owns any commercial real estate or other business use property, it is imperative that you have commercial property insurance. Commercial property insurance provides coverage for buildings, inventory, equipment, tools and more. Losses that can be covered range from fires to vandalism or natural disasters.
- Workers Compensation Insurance“A Commercial Auto policy will cover any medical expenses for my drivers if they get into an accident”: The Liability coverage that’s included in all Commercial Auto policies covers the injuries and damages that your driver may cause in an accident. It doesn’t, however, cover your drivers specifically. A Workers Compensation policy would be required to cover any injuries sustained by your drivers when operating a business vehicle.
- Commercial Liability InsuranceUmbrella liability insurance for your business will protect you when a covered claim occurs and your existing liability policy cannot cover all the expenses. Your standard business liability will typically be adequate for most situations, but umbrella liability will help ensure that your business is protected for large losses. Owning a business is risky, but going without proper insurance is riskier. No one wants to be sued, but because accidents occur, sometimes lawsuits are unavoidable.
- Professional Liability Insurance“I purchased Professional Liability insurance so I don’t need a General Liability policy.” Oftentimes, Professional Liability insurance and General Liability insurance are used interchangeably. But there is one key difference between these types of insurance policies and it deals with the type of business that you own. General Liability typically protects against physical damage to either a person or property. Professional Liability, on the other hand, typically protects against damages that your business causes as a result of the services provided. So say, for example, your accounting business fails to file the proper tax documentation for a client. Professional Liability, also known as Errors and Omissions (E&O) insurance, would protect your business from litigation or would pay the fees resulting from the oversight. In some instances, both a Professional Liability policy and a General Liability policy are necessary to fully protect your business.
- Liability InsuranceYour enterprise could be at significant risk if you don’t have insurance that covers the legal fees, court costs, and any unfavorable judgments resulting from litigation. And that’s why General Liability insurance can be so important for any type of business, regardless of its size.
- Flood InsuranceRegardless of whether you live in a high risk area for flooding, if you’re a homeowner you should consider purchasing Flood insurance.
- Earthquake InsuranceEarthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. For many of our customers in WA, earthquake insurance can be inexpensive. Contact us to find out what the costs would be for your home.