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.
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.
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.
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.
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.
"Since our beginning nearly 170 years ago, we’ve been a company of people protecting 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.
To help people secure their future and protect the ones they love.
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