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Kirkland Insurance Agency

Kirkland has been one of the Vern Fonk families’ favorite cities for a long time. We love the area and people, and feel at home!

We take pride in being able to find the people of the Kirkland great rates on these insurance products:

Car Insurance
Home Insurance
Motorcycle Insurance
High Risk Insurance
Contractor’s Insurance
Renter’s Insurance
Flood Insurance
Homeowner’s Insurance

Call or stop by today and we’ll get you the best rates on insurance in Kirkland!

Vern Fonk Insurance Kirkland

Mount Vernon Insurance Agency

We love Mount Vernon! The beautiful area, and the great people make it an easy place to conduct business.

Our Mount Vernon Insurance Agency has been helping the residents in this area find insurance policies that fit their needs. We take pride in being able to find the best rates for our clients.

Vern Fonk Insurance Mount Vernon, WA

Our Mount Vernon agency on College Way offers these type of insurances:

  1. Auto Insurance
  2. Business Insurance
  3. Contractors Insurance
  4. Homeowner’s Insurance
  5. Renter Insurance
  6. Flood Insurance
  7. SR22 Insurance
  8. more more more!

Call us today to get a fast and free quote.

Insurance Agency in Vancouver, WA

Vern Fonk Insurance Vancouver, WA

If you’re looking for insurance in Vancouver, WA – look no further! Vern Fonk has been helping residents in Vancouver find great rates on all types of insurance products for years. We’ve enjoyed getting to know the area and the people of Vancouver, WA.

Our insurance office in Vancouver, WA offers insurance policies of almost every type including  - Auto, SR22, Homeowner’s, Business, Contractors, Renters, Motorcycle, and more!

Call or stop by today to get to know us or to get a free quote on any insurance product.

Vern Fonk Insurance in Beaverton/Tigard, OR

Vern Fonk Insurance Tigard, OR

Vern Fonk loves the people of Beaverton and Tigard, Oregon! The community has embraced us as their preferred insurance provider, and we feel honored to help the people of Tigard, Oregon find the right insurance products at the lowest prices.

We pride ourselves in our ability to find Beaverton residents the best rates on their car, home and business insurance. Call us today to find out how you can save up to 40% on your car insurance.

Homeowner’s Insurance

Here are the most common types of Homeowner’s and Property Insurance products -

  • Condominium Insurance
  • Home Owner’s Insurance
  • Renter’s Insurance
  • Townhome Insurance
  • Farm and Ranch Insurance
  • Mobile Home Insurance

Homeowners Insurance helps provide financial protection against disasters and theft. Most policies help insure the home itself and some of the belongings inside.  Each home and homeowner has different needs as far as coverage goes. That’s why it’s important to be sure you home has the right policy.

At Vern Fonk Insurance in Washington and Oregon, we want to be sure you protect yourself financially if something unexpected happened. The home is likely to be your largest investment, and it’s important to protect it from unexpected disasters.

Check out our Homeowner’s Insurance page for more info.

Portland Oregon Location

Vern Fonk Insurance Portland, ORMost people know that Vern Fonk can get the best insurance rates in Washington state, but did you know that we’re in Oregon too?  We’ve been helping the residents of Oregon get great rates on home, car and business insurance for years.

Our Portland, Oregon Insurance Agency cares about Portland people! We’re here to help the people of Portland find the best insurance products for their situation.

Our Portland, OR Insurance Agency offers great rates on:

  • Car Insurance
  • SR22 Insurance
  • High Risk Insurance
  • Homeowner’s Insurance
  • Business Insurance
  • Motorcycle Insurance
  • Commercial Auto Insurance
  • Trucking Insurance
  • Contractors Insurance
  • Surety And Contract Bonds
  • RV Insurance
  • Renters Insurance

Come check us out today!

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.

Thanksgiving Homeowner’s Insurance!

Carving Turkey DinnerThanksgiving is next week! Can you believe it? Time is flying by, and the year is almost over. As the holidays approach, the number of homeowner’s insurance claims increases statistically. Did you know that more homeowner’s insurance claims for fire happen on Thanksgiving Day than any other day of the year?

Most people don’t think of Thanksgiving as a day to be cautious, but exercising caution on a day where more cooking is done throughout the country than any other day is important. With all the people around and games on TV, getting distracted is quite easy to do.

Cooking related home insurance claims more than double on this day. The leading factor in these Thanksgiving Day fires is when someone leaves items cooking unattended, which can lead to deadly grease fires. Grease fires are the hardest to put out, and can spread very quickly. Deep frying your turkey is more dangerous than more traditional methods as the fryers can tip over easily and spill deadly hot oil or grease all over the place.

Some tips to keep your home safe during Turkey Day are:

  • Pay attention to your Turkey. If you plan to let it cook for hours and hours, have a schedule of who is going to “keep watch” on it regularly. 
  • If you’re planning on watching any games on Thanksgiving, try to have the main courses already cooked before they start so you can enjoy the games instead of constantly having to rush around the kitchen.
  • Don’t overfill the oil in the fryer pot – overfilling can lead to hot oil spattering and spilling out once the turkey is put in. Oil hitting a burner on a stove can instantly catch fire and spread
  • Never spray water on a grease fire, as that will spread the fire. Keep a fire extinguisher handy
  • Keep children and pets out of the kitchen on this hectic cooking day as it can be extremely dangerous.

Happy Thanksgiving from our entire Vern Fonk insurance staff in Washington and Oregon. Stay safe and enjoy your time with family and friends.

Common Mistakes When Buying Homeowners Insurance

Buying homeowners insurance in Washington and Oregon can be confusing. Even if you’ve done it before, mistakes can happen, especially if you buy in a rush if you’re closing on your mortgage. It isn’t rocket science, but there are a few things to look out for and to do when shopping around.

Don’t Stop After the First Quote
It’s likely that you didn’t purchase the first home that you saw, you had to check out other comparable houses and weight the pros and cons. This should be the same process for shopping homeowner’s insurance quotes.

Compare apples to apples. Make sure the coverage amounts you are comparing are similar if you’re choosing based on price. Even if you’ve been with the same insurance provider for years, calling around for quotes is s a wise idea.

Use the Right Dwelling Coverage Numbers
Dwelling coverage is what helps covert he cost of repair or rebuild to your home if it is damaged by fire, wind, hail or other covered disasters. The dwelling coverage should be set high enough to rebuild your entire home – from the ground up.

The dwelling coverage amount might not be the same number as what you paid for your home. Building costs may have increased in your area and that could cause the number to be higher. The amount could be lower as well, as you wouldn’t have to purchase another piece of land to rebuild your home on.

Using the right calculators to come up with your dwelling coverage amount can help you narrow the right number down. They typically take your zip code and square footage to come up with a comparable range to work with.

Too High or Low Deductible
You should be able to afford the deductible on your homeowners insurance policy at any time. You never know when a disaster may strike, and you can rest assured if you have enough to cover it.

If your deductible is too low, you may be paying a high monthly premium. Generally speaking, the higher your deductible amount is the lower your premium will be. You know your financial situation better than anyone, and budgeting for these expenses properly is important.

If you have questions about buying a Homeowner’s Insurance policy for your family, call Vern Fonk today for a hassle free quote.

Fall – Time for Flood Insurance

Washington Flood InsuranceAs Fall is quickly approaching, it may be time to consider purchasing flood insurance or reviewing your existing policy. Most homeowner insurance policies do not cover flood damage, and a separate policy needs to be purchased. Even if you don’t live near a body of water or river, a flood can happen when you least expect it.

FEMA (Federal Emergency Management Agency) is responsible for administering flood insurance policies. They can be purchased through insurance agencies like Vern Fonk. Most homeowner’s insurance policies only cover water damage due to a burst pipe, and flood water damage isn’t covered. It is important to speak with a qualified insurance agent to see if you should purchase an additional flood insurance rider.

FEMA describes a flood as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from:

Overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above”.

Call one of our flood insurance agents in Washington or Oregon today to get more information about flood insurance in your area.