Skip to the content
Here to help 24 hours

Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Review Your Policy After These Major Life Changes

If you have life insurance, you are in good shape. However, when major life changes occur, it is time to review your policy and update it to suit your new situation. When to Review Your Life Insurance? Several life events will significantly change your life insurance needs. These include: Getting married: Once you are married, your lives are merged into one, sharing finances and personal...

Home Maintenance Checklist: Step by Step Guide to Prepare Your Home for the Fall

Your home is likely one of your most valuable assets and keeping it in good condition matters. Before the rainy, colder fall weather rolls in, taking certain steps to prepare your home can protect your home from sustaining damage during the fall and winter months. Clear out Gutters Spend a few hours clearing any debris out of home gutters and downspouts. Check the brackets holding...

THE HAZARD OF DISABLED VEHICLES ON THE SHOULDER

Watch closely for disabled vehicles on the road, especially as the days grow shorter and commutes become darker. Inconspicuous stalled cars – and drivers who can’t spot them before it’s too late – contribute to thousands of serious accidents, according to a recent study reported by the Insurance Institute for Highway Safety (IIHS). Using nationwide crash statistics, researchers estimate that over 14,000 injuries and 500 fatalities result...

FALL HOME MAINTENANCE FOR FIRST-TIME HOMEBUYERS

Take advantage of September’s warm days to knock off critical weather preparations to keep your home safe during the cold, wet months ahead. If you’re new to homeownership and not sure where to start, tackle these to-dos first: clean gutters, disconnect garden hoses, insulate exposed pipes, schedule a chimney cleaning and furnace tune-up, and shut down automated sprinkler systems. Here’s how to get started: Gutters....

EARTHQUAKE AND TSUNAIMI INSURANCE

Virtually all homeowners insurance sold in the United States, including PEMCO’s, excludes coverage for earthquakes and tsunamis. Those risks require separate policies – one for earthquake, one for flooding – sold by companies that specialize in them. While PEMCO doesn’t sell either, we can help you get them. Few homeowners and renters have earthquake or flood insurance despite the Northwest being a hotspot for both (Washington is one of...