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1314 Union Ave, NE #1
Renton, WA 98059

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Kirkland, WA 98034

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Insurance Blog

What Are The Benefits Of Commercial Insurance?

When you think of it, commercial insurance has something to do with everything. It’s an expensive and complex product that offers a variety of benefits in return for your money. There are several unique benefits that come from having commercial insurance. The primary benefit offered by having commercial insurance is peace of mind. For expert insurance advice in Renton, WA, consult with All Nations Insurance. 

Be Steady and Able to Weather the Storm 

Being able to protect yourself against potential harm is one of the most important things about having the coverage that you need. You need protection from losing your job and negligent parties or property owners who don’t provide good repairs. 

Have you ever had a fire break out in your house and wanted to take only your home protection but also your mortgage protection? Or, have you ever had a car accident and needed to be on the move because the damage was so great? Having commercial insurance can help with those situations. 

Have Borrowers Protection Against Defaulting on a Loan 

If you borrow money from a lender and then don’t pay it back, you may have to pay a penalty or even a loan payment fee. This could make you highly unpopular with your lender and could even get you in trouble with the credit report. 

With commercial insurance, it is unnecessary to take out a mortgage or other type of debt to cover the loan amount. This can save you time, money, and frustration as you don’t have to research bad credit or loans and make a payment back before the loan is due. 

Are Covered in Cases of Natural Disaster 

If you’re in a situation where a natural disaster happens, such as a flood, an earthquake, a large storm, or a nuclear blast, having protection from defects is helpful. 

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Commercial insurance can also help protect your lender in the event of a bad payment. If you have questions about the benefits of commercial insurance, speak to All Nations Insurance in Renton, WA.

How Often Should I Review My Home Insurance Policy

Purchasing a home is a significant financial commitment, and this is why you should buy homeowners insurance. However, to ensure that your home insurance provides you with adequate coverage, it’s crucial that you review it often. Here’s how frequently you should review your home policy as a resident of Renton, WA. 

Reviewing Home Insurance Policy

1. When Renewing Your Policy

You likely have to renew your home insurance policy every 12 months. It’s best that you start by reviewing your policy before renewing it. A lot might have changed about your property over the last 12 months that you need to update your policy. You might also want to change your deductible to reflect your current financial situation.

2. After Doing Renovations to Your Home

Renovating your home will usually increase its value. It’s vital that you review your home insurance policy soon after you complete renovating your home to indicate the increased value of your home and the renovations done. At All Nations Insurance, we suggest you do this so that if anything happens to your home, the settlement from your insurer will reflect your new home value.

3. When the Property Value in Your Neighborhood Rises or Falls

Residential property values are constantly fluctuating. If you have home insurance and the value of residential properties in your neighborhood rises, you will have to update your policy to show this. On the other hand, if the property values fall, you will also need to update your home policy, which might result in lower premiums for you.

4. When You Buy Expensive Stuff

No matter where your enthusiasm falls, you likely purchase expensive stuff such as art and jewelry and keep them in your home; whenever you do this, update your home policy. This will ensure you are compensated if your expensive purchase is damaged or stolen.

Are you looking to purchase home insurance in Renton, WA? All Nations Insurance has the best home insurance deals for you.

How Do I File a Claim With My Renters Insurance Company?

When filing a claim with your renters insurance company, it is important to stay organized and collect any necessary documentation. It is also important to be honest, as it can be very difficult to get your renters claims approved if the company finds unverified details.  If you’re a resident at Renton, WA and its environs, consult All Nations Insurance for professional advice. 

How Do I File a Claim With My Renters Insurance Company? 

You will need to contact your insurance provider and file a claim. The process will depend on your policy and insurer, but you can expect the following: 

  • You must report the claim within a specified time period.
  • You must provide documentation of the claim, such as receipts for repairs or photos of damaged property.

Renters Insurance Company and Claim Filing 

If you have lost valuable items and need to file a claim for replacement, you will need to provide an inventory of lost items. If your home was damaged and you need to file a claim for repairs, you will need to provide an estimate for the cost of repairing the home. 

You should have an adjuster come out to your property and inspect it for damages and causes. Documentations may include receipts for repairs or proof of value if the property was damaged. Most renters insurance claims are done online or over the phone, but there are some cases where you will need to submit a claim form. Make sure to keep track of all the documentation and keep it in a safe place if you have a claim to file. If you have a claim for stolen or damaged property, you will likely have to provide proof of ownership. 

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When you have a claim, you will have to file a form with your insurance company. The form outlines what you need to have done to receive your claim. Most forms have a checklist of what’s needed to receive the money. Sign the form and notarize it. 

Once the claim is approved, you will then be issued a check. Most renters insurance claims are paid within 10 to 14 days. The amount of the claim will likely be less than what you actually spent on the damaged or stolen item. You can call All Nations Insurance in Renton, WA for expert consultation.

State Requirements for Motorcycle Insurance

When you relocate to the state of Washington, let All Nations Insurance serving Renton, WA help you update your auto insurance. Each state in the US has its own minimum requirements for auto insurance. You typically have 30 days to update your auto insurance to that of your new state.

State Minimums

In Washington, you can add to your insurance policy many add-ons, but you must carry the following state minimums:

  • Liability for injuries or death in the amount of $25,000 per person per accident,

  • Liability for injuries or death in the amount of $50,000 total per accident,

  • Liability for property damage to another person’s or organization’s property in the amount of $10,000 per accident.

The minimum insurance protects you from financial loss if you cause an accident that harms others or their property. While the minimum insurance does meet legal requirements, you’ll probably want to purchase full coverage.

Full Coverage Protects You and Your Vehicle

When you buy full coverage, that means you also have comprehensive, collision, personal injury protection (PIP), and roadside assistance coverage. While liability insurance protects you from financial loss from a lawsuit, it does nothing to protect your vehicle or health. Comprehensive and collision pay for damages to your vehicle from single-vehicle accidents, named perils, such as fire or tornado, and situations like a deer running out in front of your car. Roadside assistance provides the tow truck. PIP coverage pays your medical bills if you get hurt in an accident.

Contact All Nations Insurance serving Renton, WA for more information on auto insurance in Washington state. Let our insurance agents help you obtain the coverage you need to meet the state’s legal requirements and protect yourself on the road.

Detailed Look At Boat Insurance

All Nations Insurance serves the Renton, WA community. We strive to make sure that our clients are protected in every scenario. We help our clients obtain dependable and reliable coverage so that they are prepared for whatever life brings their way. We look forward to assisting you.

Detailed Look At Boat Insurance

During warm summers in the Renton, WA community, many residents enjoy going out by the lake and spending time on their boats. While boating is a popular hobby, it does come with significant risks. Boat insurance helps you stay covered while you’re out on the water. Boat insurance covers multiple types of boats: watercraft, fishing boats, and powerboats. You are covered if your boat is damaged in a collision with another object. Comprehensive coverage protects all of your personal items on the boat in the event that they are stolen. You’re also covered if your boat is vandalized or damaged due to a fire or natural disaster. Liability coverage protects you if you accidentally injure someone or cause property damage. If you have any guests on your boat, liability coverage protects you if someone suffers an injury.

Suppose you have any luxury items on your boat or special accessories. In that case, you can amend your policy and add extra coverage so that you will be fully protected if a disaster occurs. You can also add emergency roadside assistance if your boat suffers engine trouble. You will receive immediate towing service. Fuel spill coverage is another popular add-on to boat insurance policies. This type of coverage protects you if your boat starts leaking oil into the water. Look over your policy’s navigational limits. The navigational limits outline the different places you can operate your boat while still maintaining coverage.

All Nations Insurance Will Help You Cover Your Assets

Give us a call to learn more information about boat insurance.

Who Needs Umbrella Insurance?

Umbrella insurance is an important type of insurance coverage that can provide crucial protection from expenses and liabilities. At All Nations Insurance, serving Renton, WA, and the surrounding areas, we aim to help clients make the best insurance choices by providing solid information and guidance. Keep reading to learn more about who needs umbrella insurance. 

How Does Umbrella Insurance Work?

Umbrella insurance is a type of insurance policy that can be customized to suit your particular needs. An umbrella policy will kick in in the event that another insurance policy is exhausted by a claim. This can happen when a claim is far more expensive than anticipated. An umbrella policy can kick in to cover expenses not covered under an auto policy, health policy, homeowner’s policy, or commercial insurance. 

Who Will Benefit From This Type of Policy?

Anyone can benefit from an umbrella policy, but there are certain situations in which this type of policy is highly recommended. If you have a large number of assets or investments which you wish to fully protect an umbrella policy is a good choice. This type of policy will kick in to ensure that your assets, savings, and investments will not be touched in the event of an expensive claim. 

Business owners can also greatly benefit from this type of policy. Business owners are at a greater risk of liability than many other people.  You have worked hard to build up your business and an umbrella policy can help you protect those investments. 

If you would like to learn more about umbrella insurance or any of our other insurance services, please contact us at All Nations Insurance serving Renton, WA, and the surrounding areas. 

Exploring The Differences Between Flood Damage And Water Damage

All Nations Insurance serves the Renton, WA community. We are an independent insurance agency. We are committed to helping our clients find policies that align with their individual needs. We have working relationships with multiple carriers across the Pacific Midwest. This allows us to offer our clients a wide variety of policies. We are confident that we can help you find coverage regardless of your situation.

Exploring The Differences Between Flood Damage and Water Damage

The Renton, WA area is known for heavy rainfall. As a local resident, you’ve seen the aftermath first hand. On some occasions, the heavy rainfall can lead to flooding throughout the community. If your property has suffered significant flood damage, flood insurance will protect you. Flood insurance also covers any damage to your personal items as well. While looking over your policy, it’s important to recognize the difference between flood damage and water damage.

Flood Damage

Flood damage differs from water damage primarily due to the amount of distance covered throughout the area. Flood damage should impact multiple properties at one time. Flood damage generally occurs due to an overflow of coastal water or the structural erosion of an area containing a body of water.

Water Damage

Flood insurance does not cover any water damage to your property or personal items. Water damage is an issue to normally develops within your home.  For example, inclement weather penetrates your roof and causes damage to your walls and flooring. Perhaps your property is damaged because a pipe bursts. Sewage or drainage issues are also common causes of water damage. If your property is damaged in one of these scenarios, you’ll have to add flood insurance coverage, or you’ll be left unprotected.

All Nations Insurance Will Help You Cover Your Assets

Visit our website to learn more information about flood insurance.

Common types of life insurance

In Renton WA life insurance is tailored to reassure that your beneficiaries will not struggle financially upon your demise. Life insurance is one of the most selfless gifts you can accord to your heirs, who you will leave behind upon your death. Regrettably, many Renton, WA residents regard life insurance as complicated and, at the same, it’s expensive. You don’t buy life insurance for yourself. It’s designed to cater to your beneficiaries’ financial needs after you die.

Those with beneficiaries need to make sure that their financial needs will be met upon your unexpected demise. Beneficiaries can utilize money derived from life insurance to cater to their everyday living expenses like medical bills, education expenses and funeral costs. Don’t hesitate to contact our agents at All Nations Insurance serving Renton, WA and the surrounding community and get life insurance coverage that suits your desires and requirements.

Term life insurance

It’s an affordable type of life insurance that offers prolific coverage for your beneficiaries for a specified period. The premiums are paid regularly the same amount throughout the specified time. Term policies don’t provide cash value accumulation. Death benefits get reimbursed to your beneficiaries should your death occur during the term your coverage is in action.

Permanent life insurance

This form of insurance provides coverage for your entire life as long as the policyholder pays premiums promptly. It offers the potential accumulation of cash value, which is tax-free. The death benefit remains the same, but the overall cash value will earn a fixed rate of return.

Universal life insurance

It is also a permanent policy where the insured get safeguarded with a guaranteed death benefit. It has a cash value like the whole life insurance, but the premiums you pay get channeled towards the cash value and the death benefit. It offers a wide range of investment options for having the freedom to invest your cash value where you wish.

Variable universal

With this type of life insurance, the policyholder is at liberty to invest the policy’s cash value in a separate available account. It possesses flexible premiums that get designed with a standard death benefit or an increased death benefit.

Are you searching for an affordable life insurance policy that will cushion your dependents financially upon your unexpected demise in Renton, WA? Please call or visit us at All Nations Insurance to get more information about life insurance.

What’s the Difference Between Comprehensive and Collision Coverage?

The difference between comprehensive and collision insurance is what each policy covers. The terms are often mistakenly interchanged as both fall under the category of "damage to a vehicle." However, as you will see below, there are significant differences between them.

What Is Comprehensive Coverage?

Comprehensive coverage is used to describe the coverage that covers damage to your vehicle that isn’t caused by an accident in which you are at fault. This includes things like theft, fire, impact with animals, and some weather-related incidents. So, when it comes down to it, comprehensive insurance represents protection against many occurrences except collisions with another vehicle or object.

What Is Collision Coverage?

Collision coverage is a type of car insurance that covers damage to the insured vehicle caused by a collision with another object. Unlike comprehensive coverage, collision coverage does not cover damage to a vehicle caused by weather or acts of nature, such as a falling branch. Collision insurance also does not pay for damage that occurs when a car is stolen or vandalized by someone who isn’t an insured driver.

What Factors Determine Which Coverage You Need?

The factors that go into determining which coverage you need are your preference, the type of vehicle you own, and the worth of your vehicle. For instance, if you have a very expensive car, it would be wise to get both collision and comprehensive insurance to protect your investment in the case of a collision or theft. However, that does not mean you don’t need comprehensive or collision insurance if you have an older or cheaper vehicle.

Both comprehensive and collision coverage are important for your car insurance policy. But each provides very different types of coverage, so it is important to understand the difference between them before choosing which policy you need to purchase. At All Nations Insurance in Renton, WA, we can help you determine which coverage is necessary for your vehicle. All Nations Insurance is here to help you make the best choice for your vehicle and your wallet. Call us today.

What You Should Know About Business Interruption Insurance

Business insurance usually covers the damage when your business is affected by a fire, storm, or other covered events. However, your bottom line is significantly impacted while your property is repaired. One way to protect your bottom line is to invest in business interruption insurance coverage. Many businesses in Renton, WA are unaware of this coverage, and because of this, we here at All Nations Insurance want to provide you with more information on business interruption coverage.

What Exactly Is Business Interruption Insurance?

While your business insurance is designed to protect your inventory, tools, and other assets, business interruption insurance is designed to replace any income that you lose as a result of a covered event. For instance, if a fire occurs in your building, business interruption insurance will compensate you for the sales that you would potentially receive while your property is undergoing the necessary repairs to become operational again.

Why Is This Coverage So Important?

It is not uncommon for businesses that shut down due to a fire or other disaster to never reopen their doors. The primary reason for this is because business owners do not have the funds to continue paying payroll, rent, and other expenses without a steady flow of income. Thankfully, business interruption insurance fills that gap and allows you to have the money necessary to pay your bills until your business doors can be reopened to the public.

What Kind of Events Are Typically Covered?

Since business interruption insurance is an add-on to your standard business or property insurance, the same events are generally covered, such as storms, fires, and possibly criminal activity. However, unless additional coverage has been purchased, you should not expect flooding to be covered.

If you would like to have your individual risk level assessed for your Renton, WA business, contact us at All Nations Insurance. We would love to sit down with you to ensure that you have the proper level of protection for your business.

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