Monthly Archives: November 2009

What does renter’s insurance cover and why should I get any?

There are a few reasons why we recommend customers to purchase renter’s insurance. Let us give you a quick overview:

  1. It is an inexpensive way to protect your belongings. An average renter’s policy that we sell is around $99.00 a year. It includes your clothes, shoes, TV’s, furniture etc.
  2. The building you live in might be insured by the owner, but that coverage doesn’t include your belongings. In case of a fire or other damage, your possessions wouldn’t be protected under the owners dwelling fire policy.
  3. If something happens to the building and it is temporarily uninhabitable, the renter’s policy will pay for a hotel or other place until your apartment is restored.
  4. It also provides you with liability insurance. For example if you have guests and one of them trips over the edge of a rug and gets injured. Your renter’s policy will pay.

 

We always recommend to choose a rather high liability, for example $300K or $500K instead of only $100K. The additional premium is not more than a few dollars per year, but if you ever have a claim, you’ll be thankful.

 

Talk to us, let us know what your needs are and we’ll help you to find the right coverage for your renter’s insurance in Washington. Call Homer Smith Insurance at 888-433-0031 or send us an email for a free quote or a coverage review. Or simply stop by at one of our locations in Port Townsend or Sequim.

 

Your Homer Smith Insurance Team

Become a community builder


Join Homer Smith Insurance in supporting OlyCAP, building our local community. On the Olympic Peninsula the OlyCAP’s Head Start Program gives low-income families a lift. This family-focused program aims to helping low-income children and their families to successful schooling. Parents engage in their child’s learning and together they work toward educational, literacy and employment goals.  

 

Head Start and Early Head Start programs offer educational, health, nutritional, and social services to families to promote their children’s school readiness. Research shows that improved cognitive skills and school completion are associated with the program.

 

Homer Smith Insurance invites you to become a community builder, and we’ll give you some help. If you purchase an insurance policy through our agency, and mention this blog, we will make a $10 donation to OlyCAP in your name.

 

Homer Smith Insurance is here to help you to make sure you have the right coverage. Call 888-433-0031 or send us an email for a free quote or a coverage review. Or simply stop by at one of our locations in Port Townsend or Sequim.

 

Your Homer Smith Insurance Team

When will you buy Life Insurance?

Everybody keeps telling you how important it is to buy Life Insurance when you are young and healthy.

Oops, you didn’t buy Life Insurance when you were in your thirties and now you are in your fifties or sixties and still don’t have any? – But no worries, it’s not too late. As long as you are in good health, you can get started today. Don’t wait any longer!

 

There are different forms of Life Insurance, Term and Permanent Life Insurance and any kind of combination between the two. To be sure that you select the coverage that is right for you, come by our office in Sequim or Port Townsend, WA today and let us help you. At least give us a call at 888-433-0031 or send us an email for a free quote or a coverage review. Homer Smith Insurance is an independent insurance agency serving Washington, but we are also licensed for Oregon, California, Nevada and Arizona.

 

Your Homer Smith Insurance Team