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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

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.

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!

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!

Should I Get Renter’s Insurance?

Most people are surprised when we tell them how much renters insurance costs. It is very affordable and comes with great coverage. For just a few cents each day your policy can get you basic protection for your property and can help you even in the case of a lawsuit.

A lot of people also think that they’d be covered by their landlord’s insurance policy. A lot of times this isn’t true. Their policy typically covers only the building in which you live in, not your personal things and belongings.

If you’re renting a place you may think that you may not own very much “stuff”. Most people’s belongings are usually worth more than they know. They purchased each item over a long period of time and don’t realize how devastating it could be if they had to replace them all at once.

Every person renting a room or home should look into getting renters insurance. It’s very affordable and can help you if your items were damaged or stolen. It can even help with personal liability if something were to happen and you were responsible for legal fees or medical fees.

Call a Vern Fonk insurance agent today to find the lowest rates on renter’s insurance today!

Is Renter’s Insurance Worth It?

If you’re a renter in Washington or Oregon, you need a good renter’s insurance policy.  Renter’s insurance seems to be something that every renter thinks about, but procrastinates getting it until it is too late.

If you add up all of the belongings in your home, whether it’s an apartment, condo, townhome or house, the total can easily reach in the thousands. Electronics, jewelry, furniture, appliances, and everything else can be extremely expensive to replace, especially if a lot of it needs to be done all at once.

Think about it – how much are your computer, television, couch, jewelry, clothes or other valuables actually worth? Spending only a few bucks a month to cover these possessions is a wise thing to do.

What does rental insurance cover? We’ve broken down the main instances/situations that most rental insurance companies will cover:

  • Explosions
  • Fire or Lighting damage
  • Aircraft and vehicles
  • Heavy snow, ice or sleet
  • Theft
  • Windstorm / hail
  • Falling objects
  • Vandalism
  • Malicious mischief
  • Water discharge from plumbing and appliances
  • Frozen plumbing

Theft and vandalism is more likely to happen in apartment buildings and townhomes than in regular single family households. If you live in a highly populated area, it is a good idea to get covered for theft.

Call a Vern Fonk Insurance agency near you today to get a great renter’s insurance policy that can help you have peace of mind throughout your days in the Pacific Northwest.

Renter’s Insurance – Help When You Need It

rentersIf you are renting a home, condo, apartment or townhome you should have a good renter’s insurance policy. Many people don’t really realize how much “stuff” they have and what it’s worth until it’s gone. If you’re considering renters insurance ask yourself this question – would I be able to afford to replace all of my belongings at a moment’s notice? If you answered no to this question (as most people would), you NEED a good insurance policy.

If someone were to break in and steal your stuff, or if your home was damaged in a fire and belongings were destroyed it could be devastating. A good renter’s insurance policy can help replace these items in certain situations. Your computer, jewelry, television, electronics, furniture and art can be very expensive to replace. To replace them all at once could cost thousands of dollars. Renter’s insurance policies are typically very cheap, only costing a few dollars a month. It’s worth it to cover yourself for the future.

Situations that Rental Insurance Can Cover:

  • Lighting strikes (fire)
  • Fire
  • Snow damage (from the weight)
  • Explosions (such as gas leaks)
  • Damage caused by vehicle or aircraft
  • Smoke damage
  • Hail and windstorm damage
  • Theft/Vandalisim or malicious mischeif
  • Damage from Riots or civil commotion
  • Falling objects (trees, meteors, etc.)
  • Water damage from plumbing, heating or cooling systems

When shopping around for renter’s insurance make sure you check what your policy will cover and what it will NOT cover. Your agent will help you figure out what policy will work best for your living situation and your budget.

If you rent you should have a good insurance policy. Just as home owner’s need homeowner’s insurance to protect their investment, you need to protect yourself from unforeseen disasters.

Call a Vern Fonk Agent today or stop on by one of our stores to get a policy that works for your living situation and your budget.

Love is in the Air

Two-red-heartsIt’s Valentines Day! Today is the most popular day for engagements. More rings are purchased in December through February than any other time of the year. 1 out of 4 grooms pop the question within these months and women throughout the country are flaunting their sparkly hands with pride.

After you’ve called all your friends, and made that ever important Facebook post, it’s time to call and get that rock insured!  Wedding rings, for many, are an expensive investment that a couple has saved up for to purchase. Losing the ring can be extremely sad and can be difficult to replace.

Many standard homeowner’s insurance policies cover jewelry, but most have strict limits.  It isn’t uncommon for a limit on jewelry to be around $1000, well below what most rings cost. It is important to call your agent to see what your current homeowner’s policy or renter’s insurance policy covers and see if they can increase your limits or schedule an endorsement to protect your valuables against theft or fire.

If you have questions about what your homeowner’s insurance policy will cover and what you’ll need to do to get extra coverage, give us a call today and we’ll help you make sure your new exciting, and sparkly investment stays safely covered.

Happy Valentines Day!


Insurance Discounts

There are discounts you may qualify for on all of your insurance policies.  Car insurance, homeowner’s insurance, business insurance, and more offer thousands of different types of discounts that you should try and cash in on. Find a good insurance policy at a cheap price isn’t as hard as it seems, you just have to ask about what discounts you may qualify for at the insurance company you are seeking.

Car Insurance
Car insurance companies offer many different discounts to their customers to help them lower their insurance premiums.  The most common types of discounts are: multi vehicle discounts, multi policy discounts, safety equipment discounts, low mileage discounts, good student discounts, and good driver discounts.  Offered discounts can vary from one company to the next as well as the dollar amount of which they can save you.  Ask an agent today about auto insurance discounts you may qualify for.

Home Insurance
Most people don’t know that there are discounts available on homeowner’s insurance policies as well.  Many people just pay the quoted price and think nothing of discounts. You can save a lot of money if you just ask if you qualify for other discounts.  The most common homeowner’s discounts include: multi policy discounts (bundling your home, car and life at one company), protective device discounts, newly renovated home discount, new home discount, and more! Ask a homeowner’s insurance agent today to see what discounts you may be missing on your policy.

Insurance discounts can save you a lot of money without sacrificing protection and coverages on your policy. As always, it’s important to speak with an experienced, expert insurance agent to see what discounts on insurance you qualify for and which policies fit your needs best.

Call a Vern Fonk Insurance Agency near you today to find the best car insurance, homeowner’s insurance, business insurance rates and more!


Reasons to Get Renter’s Insurance

Renters insurance is necessity for anyone renting in Washington and Oregon. Renter’s insurance typically comes as two parts – renters liability insurance and renter’s content insurance. The first, renter’s liability insurance, is designed to protect the renter from damages caused by an accident to the property or to an individual on the property.  Renters content insurance can help cover the cost of replacement value of any items that are stolen, damaged by fire or even lost.

The most common reasons people get renters insurance are:

  • To Protect Themselves from Theft: Renter’s insurance can help you cover the cost of lost or damaged items due to theft or vandalism. Most commonly stolen items from homes can be very expensive to replace so having a backup plan is very wise.
  • To Protect Themselves from Fire Damage: Renters insurance can help replace or reimburse you for any damages done to your property if your place were to catch on fire. Sometimes it can also pay for hotel stays while your home is being repaired or rebuilt.
  • To Protect from Injuries on the Property: Renters liability insurance can help cover the cost of medical or legal bills if someone were to get injured on your property. These fees can add up quickly and it’s very helpful to have insurance coverage to help during these challenging times.

As you can see, renters insurance can be a lifesaver when it comes down to an emergency or accident.  For only a few bucks a month, most people will agree that renters insurance is totally worth it.