What does “hard market” even mean? Why is it impacting you? What in heck is going on?? Let’s start with the concept of a hard market in insurance. In simple terms, a hard market occurs when the insurance industry faces…
Rates are going up…. and insurance might become harder to even get! Yup, wanted to rip that band aid off right out of the gate as they say. Now, Let’s talk about it….. There are certainly a lot of factors…
The “Kia challenge” could be about to impact your auto insurance in a big way! Did you know that several large auto insurance carriers in Washington will no longer offer you a new policy if you own a Kia or…
Please click here to watch our video on reasons to insure your business Full disclosure on the video, we are insurance people, not video people, we get the message to you but if you are looking for fancy… well…. not…
How do I know it’s time to shop my Home and Auto Insurance? If you’ve been watching your news feed lately you will know that personal insurance rates in Washington are undergoing the biggest change in over 20 years. Effective…
Summer in Washington state can be a really fun time. If you’re looking for some fun, local things to do that won’t break the bank before the summer ends, grab a friend or some family and try out one of…
When Do Puppies Start Teething? Puppies typically begin to teeth around 3 weeks old and at roughly 6 weeks all of their baby teeth will have grown in. These baby teeth will begin to fall out around 12 weeks which…
With recent summer temperatures in Washington and Oregon exceeding 100 degrees and wildfire season rapidly approaching you may be wondering – Does my home insurance cover my home if it burns down or is damaged by a wildfire? Thankfully, the…
Updated note [January 25, 2026]: This guide was first published in 2021 and has since been refreshed to reflect more recent data and industry shifts. It now includes updated cost ranges, notes on emerging risks like cyber exposure, inflation-aware coverage…
While it is generally understood that insurance is a necessity in life, there are some specific and important insurance topics that are not generally understood. This post will discuss some frequently asked questions regarding one of those topics: independent insurance.…