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1314 Union Ave, NE #1
Renton, WA 98059

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11335 NE 122nd Way Suite 105
Kirkland, WA 98034

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Insurance Blog

When does my umbrella insurance coverage kick in?

When it comes to protecting your finances, having the right insurance in place is essential. One type of insurance that many people don’t have, but should consider, is umbrella insurance. Umbrella insurance provides extra coverage in the event that something happens and you need to file a claim.

All Nations Insurance can help our Renton, WA  area clients understand umbrella insurance, when coverage kicks in, and how much it costs. We will also offer tips on who should consider purchasing this type of policy and how to file a claim if you need to use your umbrella insurance policy.

Umbrella Insurance: What You Need To Know

Umbrella insurance, also known as excess liability insurance, is a type of coverage that provides additional protection beyond your standard homeowners or auto insurance policies.

Coverage typically kicks in when the limits on your primary insurance policies have been exhausted, such as after you file a claim for property damage or bodily injury.

The cost of umbrella insurance varies depending on a number of factors, including your location, the limits of your underlying policies, and your driving or claims history.

Anyone who has significant assets to protect or who is at risk of being sued should consider purchasing umbrella insurance. This might include professionals like doctors or lawyers, business owners, and those with high-value homes or cars.

To file a claim under your umbrella insurance policy, contact your All Nations Insurance agent and provide documentation of the damages you incurred along with any other information they require. We will then help you through the claims process so that you can get back to normal as soon as possible.

Give Us A Call

If you have any questions about your coverage, call All Nations Insurance today. We proudly serve the Renton, WA area.

When is flood insurance necessary?

Those that are in the Renton, WA area will find owning a home can be a great housing option and long-term investment. Due to the importance of your home, you will want to know that you have the right insurance in place for it. One type of coverage to consider obtaining is flood insurance.

There are multiple scenarios when having this form of insurance will be necessary:

When Required by Lender

You may be required to carry a flood insurance plan by your lender. All banks and mortgage lenders take flood risk seriously. Due to this, if you are deemed to be in a high-risk flood zone, you will be required to carry this insurance as it will cover your lender’s collateral. There may also be a requirement to obtain this insurance in the future if your flood maps change and you are deemed to be at risk. 

When Trying to Cover Home

A situation when having flood insurance is a necessity is when you want to properly insure and protect your home. If you are going to invest in real estate, you will want to know you are prepared for all risks. As home insurance may not provide support for flood damage, the best way to cover your property is by getting a flood insurance plan. This coverage will ensure you are able to appropriately protect your assets.

Get Flood Insurance Today

Those that are in the Renton, WA area will want to know that they are insured the right way. For property owners, this will include having flood coverage. As picking this plan is important, you should call All Nations Insurance to discuss your needs. The professionals with All Nations Insurance will help you assess your need to have this coverage and can help you find an ideal plan. 

5 Moments to update your life insurance

Life insurance is for everyone.

Many wrongly assume that life insurance is only for older adults. However, these policies protect anyone at any age. In fact, purchasing life insurance earlier can lock in lower premiums. But even existing policyholders can be left behind if they aren’t updating their coverage regularly.

Luckily, All Nations Insurance in Renton, WA can help. We provide more than personalized life insurance policies. Our team can also ensure that these plans stay up-to-date to meet your needs.

Here are five key events that require a review of your life insurance coverage:

Getting married

Walking down the aisle isn’t just a personal commitment. It’s a financial one. When a spouse does pass, bills and debt can be overwhelming. Life insurance shields your family from this burden.

Purchasing a home

Most families need two incomes to pay their mortgage payments. If your or a loved one happens to die unexpectedly, an insurance policy can help supplement these losses and keep your family in its home.

Having a child

Life insurance can’t make all the sleepless nights disappear. But it can help you rest a little easier. With this protection, your baby’s future will be safe and secure.

Starting a company

Keep your business in the family. An individualized life insurance policy also safeguards potential investors too. It’s a sign of stability and preparedness.

Enjoying retirement

Life insurance is about reducing risk and replacing wages. As you near retirement, these are less important. With Social Security, pension, and other benefits kicking in, now may be the time to actually decrease your coverage.

Get Life Insurance Today

Your life insurance should change and grow with you. Stay current by routinely reviewing your policy with All Nations Insurance in Renton, WA. Schedule an appointment today.

Tips to Help Keep Auto Insurance Rates Low For Teenage Drivers

Here at All Nations Insurance, serving the greater Renton, WA area, we know firsthand just how pricey it can be to insure a new teenage driver. Teenage drivers are more at risk of an accident due to their inexperience when it comes to driving, and as such, they often have to pay higher rates than experienced drivers. However, there are some things that your teen driver can do to help ensure that they get the best rates for auto insurance.

Here are some tips:

Enroll Your Teen In a Defensive Driving Course

One of the best ways to get the best auto insurance rates for a teenage driver is to enroll your teen in a defensive driving course. Many insurance companies will offer a discount if your teenage driver completes a safe driving course or defensive driving course. 

Research Auto Insurance Rates Before Buying Your Teen a New Car

Another way to help keep your auto insurance rates low for teenage drivers is to research the rates associated with certain types of cars before buying your teen a new or used car. Certain types of cars may have higher insurance rates due to being a target of thieves or the likelihood of the car being involved in a serious accident. Researching rates helps you to find a car that is affordable to insure. 

Ensure the Insurance Company Knows How Many Miles Your Teen Drives

Lastly, make sure that the insurance company knows how many miles your teen drives per month. Most teens do not drive a lot. They may drive to and from school, to and from friends’ houses, or to and from work. Insurance companies can reduce rates if a driver drives under a certain number of miles per month. 

If you have a new teen driver, you may be looking for fair rates for auto insurance. Here at All Nations Insurance, serving the greater Renton, WA region, we can help you find the right policy for both your and your teens’ needs. Reach out to us today to schedule an appointment. 

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. 

Contact Us Today

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. 

Give Us A Call

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. 

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