Yes, solar panels can modestly increase your home insurance premiums. They raise your home’s value (by up to about 4%) and add expensive equipment that must be insured against damage from hail, wind, or lightning. You can offset the increase by shopping carriers, raising your deductible, and bundling policies — see more on what affects […]
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Washington doesn’t legally require ATV or off-road vehicle insurance unless your ATV is street-legal for roads. Still, coverage is strongly recommended because ATV accident costs can reach hundreds of thousands of dollars, and homeowners insurance typically excludes motor vehicles like ATVs and motorcycles. ORV parks may also require proof of insurance. Are you ready to
Do I need ATV or off-road vehicle insurance in Washington? Read More »
A home inspection in Washington typically costs between $425 and $600 and is a non-destructive review of a home’s structure and systems before purchase. It uncovers issues like water damage, electrical and roof problems, or foundation and HVAC concerns, letting buyers renegotiate, request repairs, or back out — and a well-maintained home can even lower
How much does a home inspection cost in Washington State, and why do you need one? Read More »
Home insurance does cover stolen cash, but only up to a low sub-limit — often just a few hundred dollars — no matter how much was taken. Your homeowners policy reimburses stolen belongings and repairs break-in damage, minus your deductible, so it’s best to keep large amounts of cash in a bank rather than at
To become a preferred contractor for insurance companies in Washington, build your experience, portfolio, and reputation; hold a valid contractor’s license and state registration; carry proper insurance; and apply to carriers whose policy lines match your trade. Preferred status brings steady referrals, though you’ll typically negotiate rates. Are you a contractor that’s looking to work
How To Become a Preferred Contractor for Insurance Companies in Washington State? Read More »
Yes, you can be ticketed for a cracked windshield in Washington if the crack obstructs your view — state law requires windshields to be unobstructed, and federal rules limit cracks to under 3/4 inch. Comprehensive insurance (not liability) typically pays for a rock chip or crack — the same coverage that pays for hitting a
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In Washington, a car generally becomes eligible for classic (collector) status at 30 years old, provided it has current registration and is used as a collector’s item — not a daily driver. Classic car insurance uses agreed value (no depreciation) with an annual mileage limit, typically 500–7,500 miles, and can even cover cars under restoration
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In most cases you don’t need a special license or CDL to drive an RV in Washington — a standard driver’s license covers RVs under 26,000 pounds used for personal travel. You only need a commercial driver’s license if your motorhome (or its towing combination) exceeds 26,001 pounds, or a towed unit tops 10,001 pounds.
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Landlord insurance covers rental properties that a standard homeowners policy won’t, because homeowners coverage excludes homes where the owner isn’t the primary occupant. It isn’t legally required in Washington, but your mortgage lender almost always will require it. The main options are DP-1, DP-2, and DP-3 dwelling fire policies, plus commercial landlord coverage for larger
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Washington businesses that sell, distribute, or manufacture alcohol must obtain a liquor endorsement on their business license through the Liquor and Cannabis Board — and carry commercial insurance. That means at least $1 million in general liability plus liquor liability (dram shop) coverage from a carrier rated Class VII or A. Do you know the
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