Homer Smith Insurance Blog

Natural disasters have caused some of the largest insurance claims.  Not surprising when you consider that natural disasters involve many people over a wide area.

Unless you are willing to gamble on the value of personal items, you should have expensive items appraised. Jewelry, antiques, collectibles, gun collections, coins, art and china are just a few examples of things you may have in your home, which should be appraised to help make sure you have sufficient coverage on your insurance in Washington policy.

Three hundred years and Lloyd's is still going strong 

Fraud is a multi-billion dollar insurance problem.  We can all do something about it.

Taking precautions around the home to prevent accidents is a smart move. You never know when the simplest things could become a hazard. Keeping clutter off the floor may not seem like a big deal until someone accidentally trips over a child’s toy, with the whole event resulting in an emergency room visit. Careless use of candles may cause a fire, and those loose stair-railings that you always intended to fix could be the cause of another accident such as a fall. Attending to fire safety issues like installing smoke alarms and fire extinguishers may help improve safety as well as reduce your Washington home insurance premiums.

More on named perils

A homeowner can purchase coverage only for certain named perils.

Sinkholes, earthquakes and floods present special problems for insurance undewriters

With more and more people choosing to set up micro enterprises or work freelance from home, insurance issues concerning these choices are coming to light. There are two common Washington insurance pitfalls for those who begin to run a small business from home.

Telecommuters need to work with their employer and their insurance agent to make sure they are adequately protected.