What Does a Standard Homeowners Insurance Policy Cover? - For most people, a home is more than just a place to live-it’s one of the most significant investments they’ll ever make. Protecting that investment with a...

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What is the Average Cost of Homeowners Insurance in Idaho? - When you’re buying a home in Idaho, it’s essential to protect your investment with a reliable homeowners insurance policy. Homeowners insurance can provide...

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Can My Homeowners Insurance Carrier Cancel My Policy After Multiple Claims? - Homeowners insurance is designed to protect you against various risks, such as damage from fires, storms, theft, and other unexpected events....

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What Is an Umbrella Policy and Why Would I Need One? - In today’s litigious society, it’s essential to have adequate protection against the financial consequences of major claims or lawsuits. While standard home, auto,...

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What Is Personal Property Insurance on a Homeowners Policy? - When it comes to protecting your home and belongings, homeowners insurance plays a crucial role. A key component of this coverage is personal property...

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Auto Insurance Coverage Options Explained - Auto insurance policies can be tailored with various coverage options to provide comprehensive protection. Understanding these options helps you choose the right coverage for...

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What Is a Deductible in Auto Insurance? - Auto insurance is an essential safeguard that protects you financially in case of accidents, theft, or other damages to your vehicle. A critical aspect of auto insurance...

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What Are Coverage Limits in Insurance? - Coverage limits are a critical component of any insurance policy. They represent the maximum amount an insurance company will pay for a covered claim. Understanding coverage...

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Factors That Affect Insurance Rates - Insurance premiums are influenced by a variety of factors, and understanding these can help you manage your costs more effectively. Both auto and homeowners insurance rates are...

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Discounts for Bundling Insurance Policies - Bundling insurance policies, such as combining your auto and homeowners insurance with the same provider, can lead to significant savings through multi-policy discounts. These...

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The Benefits of Bundling Insurance Policies - Bundling insurance policies, such as combining your auto and homeowners insurance with the same provider, offers several advantages. This practice, often referred to as a...

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What Is Gap Insurance and Do I Need It? - When you purchase a new car, its value begins to depreciate the moment you drive it off the lot. If your vehicle is financed or leased, you might find yourself in a situation...

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How Do I Lower My Homeowners Insurance Premiums? - Homeowners insurance is essential for protecting your home and personal belongings from unexpected events, but premiums can add up over time. Fortunately, there are...

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How Can I Lower My Auto Insurance Premiums? - Auto insurance can be a significant expense, but there are several strategies you can use to lower your premiums without sacrificing coverage. Here’s a comprehensive guide...

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What Does Homeowners Insurance Cover? - When it comes to protecting your most valuable asset, homeowners insurance is an essential safeguard. Understanding what homeowners insurance covers can help you make informed...

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What Is a Deductible in Auto Insurance? - When purchasing auto insurance, one of the key components to understand is the deductible. This crucial element of your policy can significantly affect both your premiums and...

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Do I Need Flood Insurance? - Floods are among the most common and costly natural disasters, causing extensive damage to homes and personal belongings. While standard homeowners insurance policies provide coverage for a...

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What Factors Affect Auto Insurance Rates? - Auto insurance rates can vary significantly from one driver to another, and understanding the factors that influence these rates can help you make informed decisions when...

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- What is the Difference Between Replacement Cost and Actual Cash Value? - When it comes to homeowners insurance, understanding the difference between replacement cost and actual cash value (ACV) is crucial. These terms...

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How Much Auto Insurance Do I Need? - Determining the right amount of auto insurance coverage can be a complex decision. It involves balancing state requirements, personal needs, and financial considerations to ensure...

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How Much Homeowners Insurance Do I Need? - Determining how much homeowners insurance you need is a critical step in protecting your most valuable asset. The right amount of coverage can ensure that your home and...

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What Does Auto Insurance Cover? - Auto insurance is essential for protecting yourself, your vehicle, and others on the road. Understanding the various types of coverage included in an auto insurance policy can help you...

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What Is Not Covered by Homeowners Insurance? - Homeowners insurance is a crucial safety net for protecting your home and personal belongings from a variety of risks. However, it's important to understand that standard...

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Knowing When to File an Auto Insurance Claim: A Guide for Coeur d'Alene, Idaho Drivers - As a driver in Coeur d'Alene, Idaho, understanding when to file an auto insurance claim is crucial for protecting yourself and...

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Understanding Household Rating: Its Impact on Car Insurance Premiums in Coeur d'Alene, Idaho - As a driver in Coeur d'Alene, Idaho, navigating the intricacies of car insurance premiums can sometimes feel daunting. One...

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Protecting Your Investment: What You Need for Requesting a Landlord Insurance Quote in Coeur d'Alene, Idaho - As a landlord in Coeur d'Alene, Idaho, safeguarding your rental property with the right insurance coverage is...

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Hit the Road Prepared: What You Need for Requesting an RV Insurance Quote in Coeur d'Alene, Idaho - Embarking on an RV adventure through the picturesque landscapes of Coeur d'Alene, Idaho, is an experience like no other....

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Rev Up Your Coverage: What You Need When Requesting a Motorcycle Insurance Quote in Coeur d'Alene, Idaho - Embarking on thrilling rides through the scenic roads of Coeur d'Alene, Idaho, atop your motorcycle is an...

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Navigating the Waters: Essential Information for Requesting a Boat Insurance Quote in Coeur d'Alene, Idaho - Owning a boat in Coeur d'Alene, Idaho, offers endless opportunities for adventure and relaxation on the...

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Essential Information to Gather When Requesting an Auto Insurance Quote in Coeur d'Alene, Idaho - As a driver in Coeur d'Alene, Idaho, safeguarding yourself and your vehicle with the right auto insurance coverage is...

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Key Information to Gather When Requesting a Homeowners Insurance Quote in Coeur d'Alene, Idaho - As a homeowner in Coeur d'Alene, Idaho, protecting your investment with the right insurance coverage is paramount. However,...

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Navigating the Waters: Do You Need Boat Insurance or Does Home Insurance Suffice? - Owning a boat can be a thrilling adventure, offering you the freedom to explore the open waters. However, like any valuable asset,...

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- Finding Your Shelter: How Much Homeowners Insurance Should You Have? - Homeownership is a significant investment, and protecting your home and belongings with the right amount of homeowners insurance is crucial. But...

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- - Does My Auto Insurance Cover a Hit-and-Run Accident? - Being involved in a hit-and-run accident can be a distressing experience. In such situations, the at-fault driver flees the scene without stopping to exchange...

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Comprehensive Coverage Demystified: What's Covered in Car Insurance - When it comes to car insurance, understanding the different types of coverage is essential to ensure you're adequately protected in various scenarios....

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- - Understanding Med Pay Coverage: Your Ally for Medical Expenses in Car Insurance - Car accidents can happen when you least expect them, and the aftermath often involves medical expenses. Medical payments coverage,...

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Why Did Your Insurance Premium Increase Without Any Claims? - Experiencing an unexpected increase in your insurance premiums can be puzzling, especially when you haven't filed any claims. While you may be tempted to...

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Uninsured Motorist Coverage: Your Safety Net on the Road - Auto insurance is essential for protecting yourself, your vehicle, and others on the road. But what happens when you're involved in an accident with a driver...

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Beyond the Minimum: Why You Need More Than State Minimum Insurance Coverage - When it comes to car insurance, most states require drivers to carry a minimum level of coverage to legally operate a vehicle. While meeting...

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When Disaster Strikes: Will Homeowners Insurance Cover Your Car if Your Garage Burns Down? - Homeowners insurance is designed to protect your home and its contents, but what happens when a catastrophic event, like a...

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- - Protecting Your Possessions: Understanding Personal Property Insurance on a Homeowner Insurance Policy - Your home is more than just a building; it's where you've created memories and collected cherished possessions...

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Does My Auto Insurance Pay if Someone Else is Driving My Car? Auto insurance is designed to provide financial protection and coverage in the event of accidents or damage to your vehicle. But what happens when someone...

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On the Road Again: Does Your Car Insurance Cover You When Renting a Car? - Renting a car can be a convenient way to travel, but it often comes with the question of insurance coverage. If you already have car insurance,...

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Cracking the Code: How Are Workers' Compensation Premiums Calculated? - Workers' compensation insurance is a crucial component of protecting both employees and employers in the event of workplace injuries or illnesses....

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Securing Your Future: When to Purchase a Personal Umbrella Policy - Life is unpredictable, and sometimes unforeseen events can lead to costly liability claims or lawsuits that go beyond the coverage provided by your...

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Shielding Your Financial Future: Understanding Umbrella Insurance Policies - Life is full of uncertainties, and while you may have insurance policies in place to protect your home, car, and other assets, sometimes...

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Demystifying Coinsurance: Its Impact on Your Building Insurance - When it comes to insuring your property, understanding coinsurance is essential to ensure you have adequate coverage in place. Coinsurance is a concept...

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Understanding Personal Liability Insurance: Your Shield in a Litigious World - In today's litigious society, personal liability insurance has become a crucial component of financial protection. This type of insurance is...

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- - Simplifying Escrow: How Homeowners Insurance Payments Work - For homeowners, managing expenses can be a complex task, especially when it comes to insurance and property taxes. Many homeowners choose to use an escrow...

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- - Condo Insurance vs. Homeowners Insurance: Understanding the Differences - When it comes to insurance, one size does not fit all. Depending on the type of dwelling you own, your insurance needs will vary. Condo...

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We sincerely hope you never find yourself in a car accident, but if you do, it's essential to have peace of mind knowing that the claims reporting process is straightforward, and we initiate the process promptly. To...

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Unveiling the Shield: What Does a Personal Umbrella Policy Cover? - Life is unpredictable, and accidents can happen when we least expect them. While standard insurance policies like auto, home, and renters insurance...

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- - The Unfortunate Reality: What Happens When an Uninsured Driver Hits You - Car accidents are stressful and challenging situations, but they become even more complicated when the person who hits you doesn't have...

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Protecting Your Valuables: Understanding Personal Property Insurance on a Homeowner Insurance Policy - Home is where the heart is, and it's also where many of your most treasured possessions reside. From jewelry and...

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- - Protecting Your Investment: Understanding the Differences Between Landlord Insurance and Homeowners Insurance - Owning a property can be a rewarding investment, whether you're a homeowner or a landlord. However, it'...

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- - The Insurance Advocate: What Is an Independent Insurance Agent? - When it comes to navigating the complex world of insurance, having a trusted advisor by your side can make all the difference. Independent insurance...

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- Homeowner Insurance Coverage: How Much Do You Really Need? - Homeownership is a significant milestone in life, and protecting your investment is paramount. Homeowners insurance is a crucial part of safeguarding your...

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- Precious Protection: How Insurance Covers Your Jewelry Against Theft - Jewelry often holds not only significant financial value but also sentimental worth, making it a prized possession for many. However, these...

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Underinsured Home: What Happens When Your Home Isn't Covered Adequately - Your home is more than just a structure; it's where memories are made, and lives are lived. That's why having adequate homeowners' insurance is...

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The Unfortunate Reality: What Happens When the Person Who Hits You Doesn't Have Enough Insurance - Being involved in a car accident can be a traumatic experience, and the aftermath can be even more complicated when the...

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Unveiling the Protection: How an Umbrella Insurance Policy Works Life is full of uncertainties, and while we hope for the best, it's wise to prepare for the unexpected. When it comes to protecting your assets and...

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Unveiling the Purpose: Why Insurance Companies Audit Your Business Annually Running a business comes with a multitude of responsibilities, one of which is maintaining insurance coverage to protect your assets and...

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Demystifying Replacement Cost: Understanding Its Significance in Insurance When it comes to insuring your valuable assets, such as your home or personal belongings, understanding the terminology and coverage options is...

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Navigating Accidents: Essential Information to Gather After an Incident Accidents can happen when we least expect them, whether it's a minor fender bender or a more serious collision. In the aftermath of such incidents,...

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Unveiling the Benefits: Bundling Home and Auto Insurance with the Same Carrier When it comes to protecting your assets and securing your financial well-being, insurance plays a crucial role. If you're a homeowner and a...

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Understanding Renters Insurance: Protecting Your Home Away from Home Renting a home, whether it's an apartment, a condo, or a house, offers the freedom and flexibility that many individuals and families seek. However,...

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Actual Cash Value Explained: Navigating Depreciation in Insurance - Insurance terminology can sometimes be complex and confusing, but gaining a clear understanding of key concepts is essential to making informed...

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The Importance of Business Insurance for Small Business Owners Running a small business can be exciting and fulfilling, but it also comes with a variety of risks. Unfortunately, unforeseen events can quickly derail your...

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Understanding the Difference Between Comprehensive and Collision Coverage Auto insurance is a crucial aspect of responsible vehicle ownership. It not only protects you and your vehicle but also provides financial...

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Unraveling the Importance of Uninsured Motorist Coverage Every time we take the wheel, we put ourselves at the mercy of various road hazards, and unfortunately, not all drivers maintain proper insurance coverage. When...

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Travel Insurance: Is it Worth the Cost? Are you planning a big trip soon? Maybe you're headed overseas to explore a new culture or just taking a road trip across the country. Whatever your travel plans are, you may have...

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"Understanding Liability Insurance: What it Covers and Why You Need it" As a responsible adult, you likely have a good understanding of the importance of insurance. You probably have car insurance to protect yourself...

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The Benefits of Renters Insurance for Apartment Dwellers As an apartment dweller, you may feel like you don't need insurance since you don't own the property you live in. However, renters insurance can provide valuable...

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What to Look for in an Auto Insurance Policy If you're in the market for auto insurance, you're likely wondering what to look for in a policy. After all, not all policies are created equal. To ensure you get the...

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The Pros and Cons of Bundling Your Insurance Policies Are you tired of juggling multiple insurance policies with different providers? Consolidating your policies with one provider through bundling might be the solution...

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Home Insurance 101: Understanding What's Covered and What's Not As a homeowner, it's essential to have home insurance to protect your investment in case of unforeseen circumstances. However, understanding the ins and...

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Insurance is a form of risk management that can provide a financial safety net in case of unexpected events. While purchasing insurance may seem like a straightforward process, there are common mistakes people make that...

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Insurance for Your Vacation Rental: What Homeowners Need to Understand - If you're considering turning your house into a vacation rental, it's important to understand the insurance implications. Vacation rental...

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"Beyond Minimum Coverage: The Benefits of Investing in More Insurance Protection" Insurance is an important tool for managing risk and protecting yourself and your assets from unexpected events. However, many people...

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5 Benefits of Using an Independent Insurance Agency for Your Coverage Needs If you are looking for insurance coverage, you may be wondering where to turn. While there are many insurance options available, using an...

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- Are You Covered? How to Evaluate Whether You Have Enough Insurance Coverage - Insurance is an important aspect of financial planning. It helps protect you from financial losses due to unforeseen events such as...

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10 Must-Know Insurance Terms for Everyone - Insurance is a complicated topic, and it can be challenging to understand all of the terms and concepts that are involved. However, having a basic understanding of insurance...

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When it comes to purchasing auto insurance, you'll come across several terms and concepts that can be overwhelming, especially if you're a first-time buyer. One of the terms that you're likely to encounter is "state...

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As a renter or homeowner, it's important to understand the importance of insurance coverage. While you might think that you don't need insurance because nothing will happen, it's better to be safe than sorry. In this...

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We are looking for motivated individuals to join our team in Coeur d'Alene. If you are interested in working with us, visit this link for more information and to submit a resume.https://dashboard.idealtraits.com/career/...

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You may have heard commercials or even received notification from your personal auto insurer about credits or relief programs that are being offered by many of our insurance carriers. While being under state stay-at-...

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Agency and Policy Access due to COVID19 In efforts to protect our customers, community and agency family, our offices will be temporarily restricting access for in person business effective immediately. Our agency team...

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In efforts to stay cautious and protect the health and Safety of our clients, their families, our community and our own families, we will be temporarily closing our office in Spokane Valley for daily in office...

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The Farm Certification program from Nationwide helps agents provide top protection for farms and ranches. Stephanie Kellogg (of Panhandle Insurance in Coeur d'Alene) and Sara Ricks (of Kuespert Insurance's Parma office)...

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Our offices will be closed Monday, July 3 and Tuesday, July 4 in observance of Independence Day! In the need of immediate assistance regarding claims, the most direct way to get assistance will be to contact your...

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We hope that you will join us in finding ways to honor our fallen heroes everyday, but here are a few ways specific to Memorial Day: Buy a Poppy From the American Legion Auxiliary. The organization has been selling red...

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Our offices will close on Wednesday, November 23 at noon and will remain closed thru the Thanksgiving holiday weekend. We will reopen at 9:00 am on Monday, November 28.In the event of needing immediate claim assistance,...

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Fall weather is here. With wind and rain comes the potential for power outages around North Idaho and Eastern Washington. Power outages aren't typically fun and they are inconvenient, but they don't need to be dangerous....

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A Home Inventory is a necessary tool to use in tracking your possessions and determining values for your home and contents. A home inventory can take the stress out of filing a claim and figuring out what is missing...

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In honor of National FFA Week I was asked to share about what I learned from FFA and how it benefited me. I must admit FFA had a huge influence on my life. I served as a chapter and district officer, raised livestock,...

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In honor of FFA week, I thought I would take some time this week to reflect back over my experiences in the National FFA Organization and the great opportunities the program gave me. Extra-curricular activities of any...

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***The following is for information purposes only to help you better understand the IRS 1095 forms. It has been prepared by a licensed health insurance agent and is not meant to replace the advice of your tax...

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What you should know about flood insurance - You've probably heard this horror story before - someone loses a home due to a flood and learns after the fact that standard homeowners insurance doesn't cover flood damage....

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With the extreme wind storm we had today, and the stormy season upon us, our team wants to help you stay connected with your insurance carrier whenever you need them for claims service. Your insurance carrier offers 24/...

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A little extra caution can go a long way while driving at night Summer has ended, and while fall and winter have their own pleasures - including football, hunting and skiing - the season changes also bring changes to...

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Fall is here! Big Game Hunting season is kicking off in the Idaho Panhandle, Palouse & Eastern Washington areas. Hunting camps are filled with campers, pickups and ATVs. Together with Safeco Insurance, we've put...

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Schools all around our region are back in session. A new school year brings with it many changes to traffic and pedestrian areas. Buses are stopping to drop off and pick up students along their routes; pedestrians and...

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The month of August makes most of us think of one thing - Back to School. If your student is entering the exciting new school life called college, you may have questions about how this big change will affect your...

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College graduation is an exciting time for students and their parents alike. And, while it's easy to be immersed in graduation parties and focused on first-job jitters, it's a time of major transitions and big decisions,...

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Memorial Day weekend in Northern Idaho and Eastern Washington can be a busy one for many. The three-day holiday that marks the unofficial start of summer is a great opportunity for family activities, which can leave...

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Right right with proper motorcycle safety gear! Whether you're an experienced rider or just getting started, the right protective gear will help you have enjoyable and, most importantly, safe journeys. Even if you're...

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With summer approaching, many people like to switch their dining choices to that of an outside food cart. There seems to be an unlimited variety of curbside food choices in our region of Northern Idaho and Eastern...

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We are adding a Customer Service Representative to our team in Moscow. This position will aid in overseeing the day to day operations of the agency and assisting in other agency goals. The ideal candidate should have a...

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The Communities around Moscow and Pullman will be buzzing tomorrow with all of the Easter Activities available to our children! Here's a quick list of some of the egg hunts hosted by communities in the Moscow/Pullman...

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Taking a vacation this spring or summer? Do you need rental car insurance? Every time you hit a rental-car counter, you'll listen to the representative ask if you want to purchase the company's rental car insurance....

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Spring break season has arrived! Over the next few weeks, students from our local schools and colleges will be on break, which means many families will be hitting the road for a spring break getaway. With the nice...

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Spring ahead with these maintenance tips for your home! When springtime rolls around in Northern Idaho and Eastern Washington, we start to think about spring cleaning. Cleaning is important, but there's something even...

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We are your local independent insurance agents in Northern Idaho and Eastern Washington. You know that you can connect with our offices online with our website, but now you can also stay connected with us from anywhere...

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How Can I Save Money on my Insurance without Compromising my Coverage? In today's unsettled economy, many people are looking for ways to stretch their money-but sometimes this includes altering insurance coverages to...

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The best online resources for all things fishing in our great state of Idaho If you love fishing - Idaho is the place to be! We are surrounded by opportunities for so many different types and seasons of fishing. Take...

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The best online resources for all things fishing in Washington State Whether you're planning an ocean fishing trip on the west side of the state, or have summer plans for lots of local fishing memories in our beautiful...

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Often, boating accidents could have been prevented with just a few simple precautions. Safeco Insurance has prepared a quick list of tips to remember when hitting the water this season. Don't let an accident wreck your...

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Are you getting ready for your summer fishing and boating adventures? Don't forget to take some time to review your trailer preparation and safety tips. Hauling a boat on a trailer and launching it at the busy launch...

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Get started early to get your boat ready for summer If you love the water, few things are better than boating season. Summer just wouldn't be summer without spending those long, hot days or beautiful warm evenings out...

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With the weather warming up and signs of spring starting to show, you might be starting to think about working on some spring cleaning and organizing projects. Working on these projects on the interior and exterior of...

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While the snow has been a little slower in coming than usual this year, our regions of Washington and Idaho are starting to see more white on the ground. That means it's a perfect time to join in on International...

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