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Should I Get Broad Form Coverage?

For many drivers, broad form coverage may be the best option. If you don’t have money to spend on extra car insurance, broad form coverage may be the right way to go for you. Washington state allows insurance companies to issue this unique type of coverage. Not every US state allows it, and we’re luck to have the option.

Broad form coverage is typically a lot less expensive than other auto insurance policies. This is because the coverages are different in many ways. If you are considering purchasing broad form coverage in Washington you need to look at all of your options before making the decision.

Broad form car insurance is a type of insurance policy that only covers the person who is on the policy. It insures the driver instead of the car. Most car insurance policies rate will depend on what type of vehicle you own, as well as your personal driving history. Broad form coverage insures just the driver, and the premium is based on the driving history of the insured.

Broad form coverage is good for people with multiple cars, because it doesn’t matter how many cars you drive, your policy premium will be the same. It doesn’t matter if you buy a new car or sold an old one.

Business owners can also benefit from broad form coverage. They can insure their employees and anyone who has access to their company vehicles.

If you have questions about broad form coverage or want to get a quote on broad form insurance in Washington, call Vern Fonk! We’re the area experts in this type of insurance.

Renters Insurance

If you are renting in Washington or Oregon you need a solid renter’s insurance policy. There’s no getting around it. Wether you live in an apartment, townhome, house or condo, you should get a renter’s insurance policy to cover your belongings. Rental insurance is affordable and can help save you thousands.

If you were to look around your home and add up the cost to replace all of your belongings it would quickly become a large number. If someone were to break in and steal or vandalize your stuff, it could be devastating to have to rebuild your collection of things to the way it is now.

Computers, electronics, jewelry, clothing, furniture and appliances are typically all purchased over time so the cost doesn’t seem like such a burden now. Could you afford to replace everything if they were to be stolen or damaged in a fire?

Vern Fonk renter’s insurance can help you cover your personal items in times of disaster.

What does renter’s insurance cover?

  • Fire and Lighting damage
  • Explosions
  • Damaged caused by ice, snow or sleet weight (roof)
  • Aircraft and vehicle damage
  • Smoke damage
  • Windstorm or hail damage
  • Theft
  • Riot or civil commotion damage/vandalism
  • Falling object damage
  • Plumbing system freezing
  • Vandalism
  • more! (each policy can be a little different)

Check out our Renter’s Insurance page for more information or call Vern Fonk today with your questions!

Home Safety Tips

renters20 million people are hospitalized each year because of injuries at home, 20 thousand of those people sadly, die. Your home should be a place where you feel most comfortable. There are many ways you can help decrease your chances of injury at home.

The first step in making your home safer is by removing or eliminating any hazardous areas. The most common injuries are caused by slipping or falling. It’s important to look around your home for areas where it could be easy for someone to slip or fall. Walk around you home and look for problem areas. Changing floor patterns can cause someone to trip. Rugs can slip, so use a pad underneath them to keep them from sliding around. Exposed wires can get in the way and trip someone up. Keep steps and problem areas illuminated with proper lighting.

If you have any toxic materials make sure they are locked up or out of reach of children. Medicine, cleaner, gasoline, and other chemicals can be very dangerous if ingested or exposed to open flames. Keep the lids securely fastened and locked if possible. Keep the poison control phone number in an easy to find location in case of an emergency.

If something were to happen at your home, it could end up costing you a fortune. Havign a well rounded homeowner’s insurance policy can help out in these situations. Doctors bills and home repairs can add up quite quickly. Having a good home insurance policy can give you peace of mind on a daily basis.

Business Insurance

Business Owner's Happy With Insurance

You’ve got your business up and running, and the money is starting to finally come in.  The busier you get, the more comfortable and stable you may feel. If you are a business owner, your company is your livelihood. Protecting your livelihood from any potential disasters is extremely important.

Many business owners forget about getting business insurance all together because they think that it may not apply to their line of work or that they are too small to need it. That could not be further from the truth. Every business owner should have insurance to protect them from any unforeseen mistakes or disasters.

Commercial insurance is one of the most important investments a business owner can buy. Finding the right business insurance policy is extremely important, and rates can fluctuate depending on the industry, size of business and location.  Each insurance company’s rates can be vastly different and knowing what to do can be pretty confusing.

Your rate and insurance acceptance will depend on how much risk your company is subject to. Insurance underwriters will look at your business and the industry it is in to determine what they are willing to cover.

Vern Fonk specializes in finding the best commercial insurance for almost every industry. We can help you find great coverage at an affordable rate. We know that every business struggles (especially at the beginning) and we want to help you grow your business with the peace of mind that if something were to happen you’d be covered.

Car Thefts in Washington

Any vehicle is subject to some degree of being vulnerable to theft, but most thieves will steal makes and models that they are familiar with and that are the easiest to steal.

Owners of certain models (and years) of cars may have a higher chance of not finding their car parked in the same spot they left it in. Car jackings in the last few years have been on the rise.

The most commonly stolen vehicles in Washington state are:

  • 1992 Honda Accord
  • 1995 and 1998 Honda Civic
  • 1995 Acura Integra
  • 2006 Ford Pickup
  • 1990 and 1991 Toyota Camry
  • 1996 Subaru Legacy

If you own one of these vehicles you can take extra measures to make sure your car won’t get stolen. You can instal anti-theft devices, alarms and tracking devices. Not only will these help deter thieves, you may also qualify for a discount on your car insurance too!