insurance agent everett wa

Yes, it’s generally a good idea to insure your off-road vehicles, though it may not be legally required everywhere. The type of insurance you need depends on a few factors: Legal requirements: In some areas, you may be required to have at least liability insurance for off-road vehicles (like dirt bikes or ATVs), especially if […]

Yes, homeowners insurance generally considers the maintenance and condition of your home, though it may not directly impact the premium in the way you might expect. However, poor maintenance can affect your coverage in several ways: Claims Denial: If damage to your home is due to lack of maintenance or neglect, your insurance company might […]

“Full coverage” in insurance is a commonly used term, but it can be a bit misleading because it doesn’t mean complete protection against all possible risks. What “full coverage” usually refers to in the context of car insurance is a combination of the following types of coverage: Liability Insurance (required in most states): Covers damages […]

Insurance companies primarily make money in two ways: from investments and by generating an underwriting profit—that is, collecting premiums that exceed insured losses and related expenses. It all begins with underwriting. Insurers, whether life or nonlife, must assess the risk and gauge the likelihood of claims and the value of those claims. Insurance companies invest […]