The heat of the summer is celebrated with sunglasses, board shorts and boating, and while it can be quite warm, the summer season is just downright pleasant in Renton or Bellevue, Washington. But the summer heat does come at a cost. Summer is also fire season and each year millions of acres across the country are burned. It is not just forests or brush plains that are destroyed, homes and businesses that get in the fire’s path are consumed as well. According to the National Interagency Fire Center, wildfires burned more than 9.3 million acres around the country in 2012. The 2013 fire season has started off with destructive blazes in California, Colorado, Alaska and Arizona.

While many natural disasters like floods or earthquakes require a special insurance policy, Wildfire Insurance is generally covered under the comprehensive portion of a homeowner’s insurance policy. The price of the policy may be higher if you live in an area that is prone to yearly fires. Wildfires are both friend and foe, as they are needed to clear out overgrowth and dead trees. A charred forest allows for new growth trees and helps reduce the risk of another fire occurring in the exact same area during the summer months.

Washington wildfire facts:

  • The spark: Most wildfires start from lightning strikes. The dry foliage and hot winds provide the perfect setting for a fire to ignite. Wildfires can also start from simple mistakes like forgetting to completely douse a campfire or a spark from the backfire of a motorcycle or RV. Even if it is an accident, a person who is found negligent in starting a wildfire may be liable to pay restitution, which can be millions of dollars. Having a personal umbrella policy may help you pay some of those restitution costs.
  • Fighting fire with fire: Through a multi-tiered effort of local and federal agencies, firefighters try to starve a wildfire by creating a perimeter. Firefighters burn the wildfire’s food source, dry vegetation, it hopes that the wildfire will become more manageable, easier to put out with air drops of water. There is a risk however, burning a perimeter may result in another uncontrolled fire if the conditions are just right. But the same principle that firefighters use to try and control the growth of a wildfire could help prevent a significant wildfire insurance claim.
  • Prevention starts at home: Helping protect your home from wildfire damage starts in your yard. If you live in an area that is prone to wildfires, you will want to create a perimeter around your home that is free of debris and flammable materials. Keeping things like sheds and wood piles at least 30 feet away from your home helps reduce the chances of a fire jumping from one structure to the next. Remove a wildfires fuel source by pruning trees and removing dead or dying plants. There are also several websites that can show you how to fire proof your yard like Readyforwildfire.org and U.S. Fire Administration.

Take the time to learn about wildfire danger in your area and to prep your home against the threat of wildfires. Talk to your licensed insurance agent in Renton or Bellevue, WA to ensure that wildfire insurance is included in the comprehensive section for your homeowner’s insurance policy. Eastside Insurance Services in Renton or Bellevue, Washington can guide you through your homeowner’s insurance policy and add additional coverages like flood insurance and earthquake insurance. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website 24/7 to learn more information.

 

You are enjoying your family road trip or living full time in your RV. Seeing the country one highway at a time and making lasting family memories. The last thing you want is an accident or lawsuit that will take up valuable time and resources. Taking the proper precautions like making sure you have a first aid kit, fire extinguisher and have the appropriate RV insurance in Renton or Bellevue, WA can go a long way to keeping your family safe and giving you peace of mind while you are enjoying all your RV has to offer.

Primary RV insurance policies in Washington:

Full Timers Coverage: Do reside primarily in your RV? Whether is it is permanently parked or you roam across the country, an RV insurance Full Timers Coverage policy helps protect your RV like homeowner’s insurance.

  • Liability coverage if you are responsible for an accident on your property
  • Medical payments for an accident for which you are responsible
  • Coverage if your property is damaged or stolen
  • Contents of a storage shed near your property

Vacation Liability: Your local, independent insurance agency in Renton or Bellevue, Washington can assist you with an RV insurance vacation liability policy for your RV. When vacationing, there are certain situations that you may not have control over when your RV is parked:

  • Injury of a third-party by equipment owned by you or around your RV
  • Injuries to a third-party by an animal under your care
  • A fire caused by sparks from a campfire, vehicle back-fire, etc.

The most important think to know about a Vacation Liability policy is that it covers events while your RV is parked, not while it is moving.

There are many options out there when looking to cover your RV and your local independent agents at Eastside Insurance Services can help you navigate your options to find the best coverage for your needs. They can also assist with an ATV policy for your other summer toys. Whatever your insurance needs, talk to the experts at Eastside Insurance Services in Renton or Bellevue, Washington.  Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer.

Summer is a great time to throw parties. BBQs, birthdays, Fourth of July celebrations or just for no reason at all, the summer is when it happens. From the cleaning, the shopping and the food preparation, a lot of thought gets put into the needs and comfort of your guests. While there are many things that may cross your mind in regards to your party, it may not occur that if the party does not go according to plan and someone is injured or gets sick that the hosts of the party could be held liable.

In the event that someone gets injured at a gathering you throw at your home, your homeowner’s insurance policy in Renton or Bellevue, Washington may cover the injured party’s medical bills or damages to a certain dollar amount. Having an extra bit of protection like a personal umbrella insurance policy in Renton or Bellevue, WA may help in these situations, as it can also help with a legal defense if you are sued for an injury or death that occurs on your property or when your guest leaves (too much alcohol).

Personal Umbrella insurance in Washington:

 

  • Unforeseen events: Most parties go off without a hitch, no problems, and no injuries. Every so often something goes awry. It can be as simple as a sprained ankle from slipping off the porch steps to food poisoning from improperly refrigerated potato salad to a DUI or alcohol poisoning. If the party where the injury took place occurred at your home and you are deemed negligent, you may be responsible for paying damages to those injured parties and a personal umbrella insurance policy in Renton or Bellevue, WA may help you minimize the out-of-pocket costs to you.
  • Intoxication: Depending on the laws in your city/state, a person who consumed alcohol at your party and injures someone else as a result of a DUI crash could hold you liable to pay the victim damages. There are a few ways to mitigate your liability: hiring a third-party to tend bar, like a catering company. These companies are responsible for having their own insurance and it is a lot easier for them to stop serving alcohol to an intoxicated person; they know all the signs to look for. If you are not able to hire an outside party to handle the liquor at your party, stick with only a few options for adult beverages like wine and beer. Having multiple types of liquor may increase the risk of someone having too much to drink.
  • A little prep: Before you have your party, take the time to make sure that your yard (or party area) is free of uneven patches of ground, mounds and holes. Make sure that entryways are clear of tripping hazards and that low hanging lights are high enough that tall heads won’t get tangled up. Taking a few extra steps may help ensure that your party is safe and fun.

If you plan on taking advantage of the summer weather by throwing a party, make sure you have all the protection you need. If you have any questions about what a personal umbrella insurance policy may cover or what your homeowner’s insurance policy covers in terms of fire, property damage or personal injury liability, your licensed insurance agent in Renton or Bellevue, WA can assist you.  The local, independent agents at Eastside Insurance Services can assist you with examining an existing policy or setting you up with a new policy. Their years of insurance experience can save you a bundle. You can also visit their insurance website 24/7 to learn more about personal umbrella or the other insurance products they offer like auto insurance.