Emergency Service Providers – Insuring Portable Equipment
Guide Insurance Services Blog
by kandib
2y ago
Insurance for Portable Equipment It’s important for fire agencies to be able to identify what items in their department are considered portable equipment as these items should be covered under an Inland Marine policy. Portable Equipment for a fire department often consists of items that are necessary to not only protect themselves during fire and emergencies, but to protect and serve their community. It’s not a building, it’s not a vehicle, what is it? The simplest way to decide and account for inventory that is not part of your actual station, vehicles or apparatus’ is to imagine you pick you ..read more
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How long do I have to add a new car to my auto insurance policy?
Guide Insurance Services Blog
by kandib
2y ago
How long do I have to add a new car to my auto insurance policy? If you have auto insurance coverage for a different car and plan on transferring insurance from your old car to your new one, many insurance carriers offer a grace period for you to contact your agent and make the vehicle switch. During the grace period, your current auto insurance coverage automatically applies to your new car.   The length of the grace period depends on your insurance policy. Many insurance companies offer a new car insurance grace period for transferring insurance from one car to another, which can last a ..read more
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Do you need Auto Loan Coverage on your insurance policy?
Guide Insurance Services Blog
by kandib
2y ago
Auto Loan Coverage and why it’s important. You owe more on your auto loan than your vehicle is worth. How can that be? When you purchase a new vehicle, the car value depreciates as soon as you leave the dealership. This means that depending on how much you financed you may owe more on your loan than the car is worth. There are 2 ways to protect yourself if your car is totaled and you owe more than it is worth. You can purchase GAP insurance from the dealership as part of your financing agreement when you purchase your vehicle. Typically this adds $800+ to your auto loan and you will pay intere ..read more
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Fall Driving Tips for the Pacific Northwest
Guide Insurance Services Blog
by kandib
2y ago
Fall Driving in the Pacific Northwest Fall in the Pacific Northwest is a beautiful time of the year, but this natural beauty comes with a set of hazards when driving. Every year thousands of people are injured and hundreds are killed due to daylight savings time changes and the change of the seasons. What to Expect Keep yourself and others safe by preparing your vehicle for the season and keeping these things in mind: Weather: Sudden changes in temperature, rain, snow and fog all make for hazardous driving. Be aware of the weather and current driving conditions each time you get behind the wh ..read more
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Things to consider when it’s time for college
Guide Insurance Services Blog
by kandib
2y ago
The time has come, you have a child headed to college! There are several things to consider when your child leaves for college: Should they have a car with them? Should you leave them listed as a driver on your auto policy? Do they need a renters policy? Are you still liable for them when they are in college? Are there any discounts that can be added to your auto policy?   How your insurance policies are impacted by having a college student Auto Insurance is something to consider: Even though your child may not be taking a vehicle to college, it is important to leave them listed as a dri ..read more
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HOME INSURANCE POLICY VS. LENDER PLACED COVERAGE
Guide Insurance Services Blog
by kandib
2y ago
Homeowners Insurance vs Lender Placed Coverage   Are there differences between a homeowner policy you would purchase from an insurance agent and a policy that you would get directly from your lender? Yes, there are.  Coverage directly from the lender is also known as “force placed coverage”.   The purpose of a homeowner policy is to make YOU whole again in the case of a covered loss. For example, if there is a fire, your homeowner policy would pay to rebuild your home. The coverage amount you would have is the amount of the repairs up to the limit stated on your policy ..read more
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An Update from Guide on COVID-19 and How Your Insurance Rates May Be Impacted
Guide Insurance Services Blog
by kandib
2y ago
COVID-19’s Impact on Insurance Rates The Washington State Insurance Commissioner passed a law that will go into effect on June 20, 2021 prohibiting insurance carriers from using credit as a factor in their rating structure. This new law may negatively impact rates of clients that have a good credit standing which currently results in lower insurance rates. Moratoriums on New Business: Many carriers have already announced they will stop binding new policies on or before June 20, while they file new rates with the Office of the Insurance Commissioner and wait for those rates to be approved by t ..read more
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My house is flooded, now what do I do?
Guide Insurance Services Blog
by brettkok
2y ago
The aftermath of a catastrophic flooding is stressful. No one prepares you for what steps you need to take. Suddenly your home, that you have lovingly cared for, has sustained immense damage. What do you do now? 1. Turn off the power to your home at the electrical panel. Water and electricity is not a good combination. Have it inspected before turning back on. 2. Call a water damage restoration company and get on the waiting list. Unfortunately, because there has been so much damage in our area, you may have to wait a bit before they can get to you. 3. Contact your insurance company to see if ..read more
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Flood Cleaning Supply Drive
Guide Insurance Services Blog
by brettkok
2y ago
We often sing a song to our children when it is time to clean up their toys: “Clean up, clean up, everybody everywhere. Clean up, clean up, everybody do your share.” While this song may sound simple, its intent really will help our friends and neighbors who are struggling to get back into their homes.  One way you can help is to donate cleaning supplies. Guide Insurance Services has partnered with Peoples Bank and a local Lynden Girl Scout troupe to collect cleaning supplies which will be given to families affected by the floods in Whatcom County. We are asking for donations of household ..read more
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What Happens When a Tree Falls?
Guide Insurance Services Blog
by kandib
2y ago
What Happens When a Tree Falls? Fall and Winter in the Pacific Northwest We are now in the Fall and Winter storm season and in the Pacific Northwest this means trees fall during windstorms. Are you covered if a tree in your yard falls on your house? What if a neighbors tree falls on your house? Or if your tree falls on a neighbors house? On Your House If a tree damages your home or other insured structure like your detached garage, fence or shop, your homeowners insurance policy typically covers the damage to the structure as well as any damage to the contents. If you have an active property i ..read more
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