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Homeowners Insurance

guidance & knowledge

We are thrilled to partner with a local company, Spokane Insurance Agency (SIA), for all insurance needs. Unlike a captive, or direct insurance company who only offers their own proprietary products, SIA is 100% independent of any one company. Many insurance consumers do not fully understand just how important that really is.

When it comes to something as important as insurance, it is imperative that you work with an agency who has an in-depth knowledge of multiple insurance products, companies, and guidelines — not just one.

At the end of the day, what separates one agent from another, is their ability to proactively service their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.

Homeowners

If you are like most homeowners in Spokane, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events

Common coverages to consider are the dwelling (main house), other structures (like detached garages), personal property, loss of use, medical expense, family/personal liability, and scheduled personal property.

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Condo

Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically inures the physical structure/building and other common areas.

Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in.

Things like your floors, walls, cabinets, and fixtures that your association’s insurance likely doesn’t cover.

Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim.

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Renters

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Your renters insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable.

Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected.

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Spokane Insurance Agency

SIA provides insurance services to clients across the Pacific Northwest. The agency prides itself on strong work ethics and genuine concern for people.

They offer a full range of personal and commercial products with access to multiple companies like Travelers, Safeco, Liberty Mutual, Allstate, and many more.

Plus they provide claims assistance, are an advocate for you and provide unbiased and objective advice.

The partnerships with Mass Mutual for financial services and Generations Insurance for Medicare/Medicaid, makes working with SIA a one stop shop.

Best of all when you buy from an independent agency like Spokane Insurance Agency, you are supporting local business and the local economy.

Personal Insurance

Homeowners

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

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Renters

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Whether you’re starting out, between homes, or downsizing, we’ll help you pick the best renters insurance coverage that best fits your needs. Be sure to ask about available discounts including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.

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Landlord

Landlord insurance is coverage generally designed for owners of rental properties of one to four units, including apartments, condominiums, and single- or multi-family homes that you own and rent to others. It can help protect you from the potentially devastating costs of losses to your rental properties. It generally covers things like damage to the structures and can be customized to cover damage to systems, furnishings and appliances within those structures. One thing it won’t cover is the personal possessions inside the rental property that belong to your renters. Renters should have their own renters insurance policy to ensure their own personal property is covered. As a landlord, you may also want to add coverage to your Landlord policy for Loss of Rent, should an event occur that renders the property unusable.

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Mobile & Manufactured Home

Mobile home or manufactured home insurance not only covers your mobile home; it can also cover: Detached structures on your property, such as a carport or garage. Your personal belongings. Living expenses if your home is seriously damaged by a covered loss. Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy). Mobile and manufactured homes are not eligible for coverage under a standard homeowners insurance policy (H0-3) so you will need a special policy built specifically for mobile homes.

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Condo

Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas. Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover. Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.

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Auto

Whether you live in Spokane, or any other part of Washington, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. You’re at risk every single time you get into your car. It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

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Boat

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. So protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance. KBG Insurance & Financial can help make your time on the water relaxed and worry-free. We will find you comprehensive insurance protection that protects you, your friends, family, your watercraft, and your boating equipment. The average boat policy costs less than a dollar a day. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

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Wedding

Getting engaged is one of the biggest and most excited times of someone’s life. There is nothing more beautiful than two people joining hands to spend the rest of their lives with each other. When it comes time to plan the wedding though, things can quickly get overwhelming. There are so many moving parts that have to fall into place flawlessly. Phone calls, emails, tastings, and walkthroughs ensue. One of the most commonly overlooked pieces of the wedding planning puzzle though is often times insurance.

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Life

Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost effective ways to protect the people who depend on you financially. What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income? If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer. If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though: Charitable donations. Pay federal death and estate taxes. Create an inheritance for your heirs. Pay final expenses.

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Health & Disability

Understanding the ins and outs of health insurance has become more and more difficult over the past several years. Luckily, with our partners at Spokane Insurance Agency, we have access to a long list of health insurance providers, and can walk you through your options. Disability Insurance is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness. If you search the internet you’ll see a ton of different results from companies and brokers claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision. Like Long Term Disability and Short Term Disability.

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Commercial Insurance

Business

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms. No two businesses are the same, so it’s important to speak to a qualified Business Insurance professional like us, who can sift through your various options. The last thing you want is some cookie-cutter policy that’s riddled with exclusions and limitations.

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General Liability

It only takes one claim to financially cripple your business, so it’s important that you have adequate coverage from a highly rated carrier. At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it’s mandatory.

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Contractors

There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include: Independent construction contractors. Plumbers, carpenters, electricians and painters. Repair people. House and carpet cleaners. Freelance writers, editors and graphic designers. Independent hair stylists, and salon professionals. Horse or dog trainers.

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Workers
Compensation

When your employees are taken care of, your business is taken care of. A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection. You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen. A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.

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Farm & Crop

Farming is the backbone of our country, and no matter how large or small your farming operation is, we have the expertise to help properly insure your business. Being independent, we have access to a wide range of farm and crop insurance companies. This is important because no two farming operations are the same. We have the flexibility to truly find you the best possible product at the best price.

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Commercial Auto

As a business owner, you may have one or more vehicles, such as delivery vehicles, taxis, limos or buses. The right commercial auto insurance covers you for accidents, injuries and other incidents that can put those investments at risk. Commercial automobile insurance is a broad term that refers to most commercial business automobiles, including but not limited to: Company cars, cargo vans, limos, taxis, buses, SUVs, pickup trucks

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Garage

The terms “garage liability” and “garage keepers” is an issue not only for clients, but most agents and CSRs also find it just as confusing. Before getting into the actual contract, consider the following example: “A customer who purchased a vehicle from you brings it back to the lot with a mechanical issue. Your mechanic takes the vehicle for a test drive to see what’s going on, and in the process, hit’s another vehicle. He totaled the other vehicle and injured its driver. He also totaled the customer’s car he was test-driving. The other vehicle and its driver are covered by the garage liability policy, the customer’s vehicle is covered by the garage keepers”. The answer is not that simple. Start with a basic definition of garage liability. The coverage is, in a sense, the equivalent of combining a business auto form with a commercial general liability form including products and completed operations. The “Garage Coverage Form, CA 00 05,” has been revised several times, however, the basic architecture hasn’t changed. Examine Section II (Liability) and Section III (Garage keepers).

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Business Property

Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. “Property” can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers. Under the liability policy coverage, the building should be protected from damaging events such as fire, burglary and vandalism. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

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Restaurant

Picture this, you have a customer who specifically lets you know of a food allergy that must be avoided. Your kitchen staff not paying attention accidentally contaminates their meal with said food allergy. Not only does your customer suffer from the extreme allergic reaction but you are now wide open to a potential lawsuit. See, things like this happen every day in our world. Although they might not happen every day in yours, our job is to make sure you are protected for the “what if”.

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Cannabis

Whether you need insurance for your marijuana dispensary, supplies, commercial building, or other marijuana based coverages, we have a number of financially stable cannabis insurance companies who we have access to.

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Financial Services

"Since our beginning nearly 170 years ago, we’ve been a company of people protecting people.

All people.

Our commitment to diversity and inclusion is non-negotiable. We stand firmly and act intentionally against racism and inequality, in any form. We will make good on our promise to Live Mutual to help make our world a more just and equitable place.

Together, we will be better."

Spokane Insurance Agency is here for you.

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