Do you need RV insurance in Vancouver, WA?

Are you wondering if you need to purchase  RV insurance in Washington? Well, yes, you do! And we want to take this opportunity to invite you to Columbia River insurance in Vancouver, WA.

Property Damage

At our insurance company, we value our member’s property very much. Under property damage, we offer coverage in the following areas:

  • Theft of property
  • Destruction by floods
  • Fire damage
  • Mechanical Damage

At Columbia River Insurance, we compensate the above areas based on the damage.

In case your RV is totalled, we compensate for your loss centered on the original value. Coverage for property damage within the recreational’ vehicle doors falls under comprehensive and additional coverage. If you have already purchased or yet to purchase, you’ll require an additional premium to enjoy the above compensation.

Recreational Vehicles grouping

When purchasing an RV policy in Vancouver, WA, we can provide you with a form to fill in the vehicles’ details. There are different purchases for different vehicles. The following factors are considered in this section:

  • Model of the recreational vehicle.
  • The number of people the RV can carry.
  • Facilities in the RV, including bathrooms and sleeping area description.

This information helps us during compensation in terms of the diversity of damage. The recreational vehicles are grouped into three categories: group A, Group B, and Group C. Each group has recreational vehicles with similar characteristics.

Body Injuries.

Body injuries fall under comprehensive coverage. Bodily injuries of people involved are only compensated if the member purchased the coverage. If you have already purchased RV Insurance or you are planning to purchase, we advise you to buy additional comprehensive coverage for you to enjoy full RV coverage. Bodily injury coverage policies are important since they are accompanied by property damage, for instance, destruction by storms and fire.

For more information and queries, please contact us by phone or send us an email.

A Guide To Help Pacific Northwest Residents Find Motorcycle Insurance

Columbia River Insurance assists the Vancouver, WA community by offering them a variety of insurance choices. We strive to simplify what can be a complicated process at times in regards to searching for insurance. As an independent insurance agency, we have successful partnerships with over 70 different carriers. This helps up provide insurance coverage to our clients regardless of their needs.

Motorcycle Insurance Options and Coverage

If you enjoy riding your motorcycle through the Pacific Northwest, it’s vital to have protection. That’s why you should consider motorcycle insurance. Motorcycle insurance allows you to have coverage if you get into an accident or your motorcycle is stolen or vandalized.

Types of Coverage

The primary motorcycle insurance coverage options to research are comprehensive, collision, and liability. Comprehensive coverage protects you if your motorcycle is stolen or damaged as a result of hitting a fence or colliding with an animal. Collision coverage assists you if you are involved in an accident with another motorcycle. Liability coverage is helpful if it could be argued that you were at fault for causing the accident.

Add On Coverage

You can also amend your motorcycle insurance policy to add extra coverage. Roadside assistance is beneficial if your motorcycle breaks down while you are far from home. You can also add coverage to protect you if you have to stay somewhere while your bike is being repaired. If you have a lot of custom parts on your motorcycle, you may have to amend your policy.

During months when you aren’t riding your motorcycle as much, you can still add coverage so that you’ll be protected in the event of theft or some other unforeseen issue.

Columbia River Insurance Can Help You

For over 50 years, we have helped the Vancouver, WA community find coverage. Consult with us, and we will sit down with you and help you find the motorcycle coverage that you are looking for.

Does boat insurance cover emergency services?

Whether you are an occasional or all day boater, spending some time in Vancouver, WA waters is an adventurous way of exploring the city. Many people often look forward to summer for some excellent time boating. However, with the fun comes accidents and risks. If you don’t have reliable protection, you may find yourself in deep financial losses. At Columbia River Insurance, we recommend starting with boat insurance.

Can my boat insurance cover emergencies?

Of course. The whole idea of buying insurance is to protect you from financial loss in the event of an accident. When your boat breaks down, you will need emergency help to get out of the water as well as fix the damages. Being in the water means that you solely depend on the water as your means of movement. Your insurance provider should offer towing services, fuel delivery, or oil and battery change.

How to determine the amount of risk and possible emergencies

At Columbia River Insurance, we always advise against making assumptions that a certain coverage is enough without evaluating the risk exposure. If you engage in extreme water sports or spend most of your time in the water, you are at a higher risk of needing emergency services than occasional non-sporty boaters. With that in mind, make sure that you get enough coverage for emergencies.

Emergency needs

Emergency needs vary from one individual to another. It is essential to speak to your insurance provider, who can help you determine which services are more critical for you and which ones are not. If you are using a high-speed boat, your insurance provider may request that you pay attention to liability insurance along with emergency services.

Boat insurance gives you the peace of mind you need while in water. For more information on boat insurance, visit us at Vancouver, WA to speak to our insurance experts.

Umbrella Insurance vs. Extending Your Existing Policies

Excess liability protection will buy you extra protection on a single policy. Umbrella insurance buys you additional liability protection on every qualifying liability policy you hold.

Excess liability is most useful when you just have one policy to worry about. Although everyone’s insurance situation is different, in general, you’re going to be better off buying an umbrella insurance policy rather than individually extending every policy you have with excess liability. There may be instances where, say, you and your business partner would instead go in on excess liability rather than worry about umbrella insurance. Still, for your own purposes, you’re going to benefit far more from an umbrella policy and pay considerably less than you would extend every policy you have with excess liability.

Umbrella insurance also offers several benefits such as extended auto coverage when you’re overseas, personal injury protection should you be charged with slander or libel, and E&O protections for business directors.

It essentially breaks down like this:

  • If all you want to do is buy additional protection for your home in Vancouver, WA, or if you’re not interested in the additional protections offered by umbrella insurance, excess liability insurance might be enough.
  • If you’d like to buy extra protection on all qualifying policies with a single purchase, and if you could make use of the extra protection, umbrella insurance is a must.

Umbrella insurance prices will vary, of course, but you may find when you call Columbia River Insurance that it is far more affordable than you thought. If you want to get all of your policies covered with extra protection, get in touch with Columbia River Insurance in Vancouver, WA, and see what they can do for you.

Understanding The Coverage Versus Cost Margins of Auto Insurance

One of the most critical investments that we make in our lives is the car(s) that we use for our daily transportation. Protecting yourself and others in the scenario of an accident (whether you are at fault or not) are details to pay close attention to while getting ready to purchase auto insurance. It is required by law that while driving in Washington, you need to have at least the minimum level of liability coverage on your car. 

At Columbia River Insurance, we take great pride in providing our clients with the necessary auto insurance that they want and need. We are based in Vancouver, WA, and one important necessity residents have is their vehicle for the daily commute. Here are the two main factors that play crucial roles in understanding their coverage versus and how much it may cost. 

The age of your car: Having an older car typically does not need extensive insurance protection because of its current value, and low cost of repairs. New cars, however, require repairs where the parts/services are still at a premium price. Also, when it comes to possible accidents, it is easier just to total an old car, yet with a new car, the cost of repairs/replacements is still at or close to their original market values.

Your driving history: Your driving record plays a big part in what coverage you may need and the cost of the policy as well. For example, a good driver with a clean driving record of 5 years can get the coverage and cost of insurance pretty easy. However, a driver of 5 years with multiple wrecks, traffic tickets, and an overall bad driving record will typically have to pay a higher premium for auto insurance. 

Would you like to set up a consultation meeting with one of our agents to discuss in further detail what options we may have available for you? We can be reached at our office in Vancouver, WA by phone during business hours at (360) 696-9137. We will be happy to help you find a policy and answer any questions you may have.

Is Condo Insurance Really Necessary?

When purchasing a condo, it’s important to factor insurance protection into your financial equation. Condo insurance will protect your structure and possessions against unforeseen disasters. You can’t count on your master condo insurance policy to protect your individual unit. Master policies generally cover the building and common areas like pool, sauna or clubhouse. An individual condo insurance policy from Columbia River Insurance in Vancouver, WA will protect your investment against any eventuality.

Condo insurance from Columbia River Insurance offers the following coverage:

  • Dwelling (Structural) – Dwelling coverage protects the interior structure of your condo, i.e. your walls, floors, cabinets and other built-in structures. If you decide to upgrade your condo, this coverage will also protect improvements you make to your structure.
  • Property – Property coverage protects your possessions. This includes your clothes, sports equipment, furniture, artwork, appliances, electronics and more. If a fire breaks out in your kitchen and destroys your appliances, property coverage will pay for damages. If your condo is robbed and you lose costly electronics, your property insurance will help cover replacement costs.
  • Liability – When you invite guests to your condo, there’s always the risk of someone having an accident. An accidental fall could result in a broken bone or concussion. If an accident leads to a trip to the hospital, liability insurance will cover medical costs. It also protects you against a lawsuit if you’re sued for damages. 
  • Loss of Use – At some point in time, you may have to leave your Vancouver WA condo due to extensive damage from a disaster. Loss of use coverage pays your living expenses elsewhere until repairs are made and you can return home.

Learn more about condo insurance and the protection it has to offer by calling or visiting Columbia River Insurance in Vancouver, WA today.

What Does General Liability Home Insurance Cover?

When you purchase home insurance for your Vancouver, WA home, it usually includes bodily injury and property damage caused by a covered member of your policy. Your Columbia River Insurance agent can help you fully understand your coverage. However, here’s some information on what’s typically covered in Washington home insurance policies.

Bodily Injury and Property Damage Coverage

For accidents caused by you or anyone covered by your home insurance, medical costs covered under bodily injury include dental work, medical and surgical expenses, X-rays, hospital stays, ambulance, prosthetic devices, funeral services, and nursing services. It also often covers legal costs, with all coverage subject to your policy limit.

Under property damage coverage, your home insurance policy pays for damage you or a covered member cause to someone else’s property. This may include events on or off the property. The coverage consists of dog bites and slip and falls, such as someone slipping on your stairs or any slippery sidewalk outside your home. Under neighborhood damage, home liability insurance covers a baseball your child throws through your neighbor’s living room window. 

These are just examples. Your insurance agent can explain what your chosen policy covers in more detail.

Some Unusual Items Covered by Home Insurance Liability

Libel and slander are often covered under defamation of character coverage. There are exclusions on policies that offer it. Food poisoning for a holiday potluck pays for your guests’ medical bills. 

Outside your home, home liability insurance typically pays for incidents such as a rock flying out of your mower and causing property damage to your neighbor’s property.

Intentional acts are excluded from coverage. This may include intentional injuries caused by a fistfight or deliberate damage to a guest’s property.

Your Columbia River Insurance agent can help you understand your policy limits and coverage. Contact our agents in Vancouver, WA to schedule an appointment for a quote on your home insurance policy.