Recent Posts

Considering Earthquake Coverage on the Olympic Peninsula

Category: Blog
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When most people think about the possibility of earthquakes, California likely comes to mind.  However, the danger of earthquakes exists in many areas of the United States.  On the Olympic Peninsula, we live near to an area known as the Cascadia Subduction Zone.  This zone is a 680-mile long stretch of colliding land mass 50 … More

Insuring Your Farm or Ranch

Category: Blog
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On the Olympic Peninsula between Port Townsend, Sequim, Port Angeles and beyond, there are many small to medium-sized farm and ranch operators who look to Homer Smith Insurance for assistance with their insurance coverage.  Farms and ranches differ from other business operations since the owner usually both conducts business and lives on the same premises. Therefore, a farm … More

Checking On A Used Car’s History

Category: Blog

There is a type of protection you should consider before you purchase a used car and obtain auto insurance.  While you are trying to decide whether to buy a vehicle, it is important to ask pointed questions about things such as maintenance costs, gas mileage, how the car handles in turns, among other things.  You may … More

Insuring Adult Children

Category: Blog

Policies are typically clear when it comes to determining who is covered under an insurance policy. A relative is covered, but only if they are a full-time resident of the named insured’s household.  At Homer Smith Insurance, we are sometimes asked whether or not  adult children who have recently moved into their own apartment can … More

BOATOWNERS COVERAGE

Category: Blog
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The days are getting longer and soon many boaters will be out on the water.  Our watercraft insurance specialist, Jim Maupin, talks to customers year-round, but his conversations about boats will be increasing as the weather improves!  At Homer Smith Insurance, we have been providing personalized service for over 60 years in Port Townsend, Sequim, Port … More

Subrogation

Category: Blog
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Subrogation is the right for an insurer to pursue a third party that caused an insurance loss to an insured.  It is a provision that is common in many insurance policies, and one that we, at Homer Smith Insurance, often find ourselves explaining to customers. There are many times that an insurance company settle a … More

HOLD HARMLESS AGREEMENTS

Category: Blog
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The safest way to avoid the dangers of pursuing an activity is…..don’t pursue the activity. Of course, this is unrealistic, as the quality of our lives is highly affected by how we choose to spend our time. Any activity involves a chance that a loss could occur: A pick-up basketball game could result in a … More

Do Renters Need Insurance?

Category: Blog
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Why Renters Should Buy Insurance Renter insurance offers coverage similar to homeowner insurance. It’s for people who rent a living space, such as an apartment, condominium or house.  The landlord generally buys insurance coverage to protect his or her interest, such as the building and liability.  It does not cover your property. Renters frequently either overlook … More

Car Pooling – Part 2

Category: Blog
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Note: Please be sure to read “Car Pooling – Part 1″ You have already learned that many drivers use different ride-sharing arrangements. The typical automobile insurance policy covers these arrangements because the driving exposure is essentially the same. The common policy exclusion that refers to “public or livery conveyances” is to prevent coverage for business … More

Car Pooling – Part 1

Category: Blog

At Homer Smith Insurance we know that many drivers, at least occasionally, have reasons to car pool between Port Townsend, Sequim, Port Angeles and places in between.  They sometimes have questions about how car pooling might affect their auto insurance coverage in Washington, and we thought we’d address this topic. Environmental concerns, traffic congestion, convenience, desire to … More