One of the things I appreciate most about serving Spokane is the strong neighbor-to-neighbor spirit that makes our community feel like home. It’s the way people look out for one another, lend a hand when it’s needed, and come together through every season that makes Spokane such a special place to live and work.

As winter approaches and the holiday season gets underway, it’s a natural time to pause and consider whether the people, property, and plans that matter most to you are well protected. A quick review can help you feel more prepared for the colder months ahead and ensure your coverage still reflects your needs as life changes.

Whether you’re a homeowner, renter, small-business owner, or part of a growing family, my team and I are here to make the process straightforward. We’ll take the time to listen, answer your questions, and help you understand the options available—so you can make informed decisions with confidence. It’s our privilege to serve Spokane, and we’re always happy to connect with our neighbors.

Insurance information to consider:

Auto Insurance

What does auto insurance typically cover? Depending on your policy, auto insurance may help cover damage to your vehicle, damage or injuries you cause to others, and medical expenses after an accident. Common coverages include liability, collision, comprehensive, and uninsured or underinsured motorist coverage.

What’s the difference between collision and comprehensive coverage? Collision coverage generally helps pay to repair or replace your vehicle after a collision, subject to your policy terms and deductible. Comprehensive coverage may help with losses caused by events such as theft, vandalism, hail, or hitting an animal.

How can I save on my car insurance? You may be able to save by comparing coverage options, asking about available discounts, reviewing your deductible, or bundling policies. Before changing your coverage, consider whether the potential savings are worth the additional out-of-pocket costs.

Should I review my policy after buying a car or moving? Yes. A new vehicle, a change of address, or a change in how you use your vehicle may affect your policy. Contact your insurer or agent to make sure your information and coverage are up to date.

Home Insurance

What does homeowners insurance usually cover? A homeowners policy may cover your home, personal belongings, personal liability, and certain additional living expenses if a covered loss makes your home temporarily uninhabitable. Coverage varies, so it’s important to understand your policy’s limits, exclusions, and deductibles.

Does homeowners insurance cover floods or earthquakes? Standard homeowners policies typically don’t cover flood damage, and earthquake damage may be excluded or require separate coverage. Ask an insurance professional about options available for your property and location.

How much home insurance do I need? Consider the estimated cost to rebuild your home—not just its market value—along with the value of your belongings and your personal liability needs. An insurance professional can help you review your coverage limits and identify possible gaps.

Are my belongings covered outside my home? Many policies provide some personal-property coverage away from home, but limits and conditions may apply. High-value items such as jewelry, artwork, or collectibles may need additional coverage.

Life Insurance

Why might I need life insurance? Life insurance can provide financial support to people who depend on you. The benefit may help with expenses such as replacing lost income, covering childcare or education costs, or paying outstanding debts.

What’s the difference between term and other types of life insurance? Term life insurance provides coverage for a set period, such as 10, 20, or 30 years. Other policies may offer coverage designed to last longer and could include a cash-value feature. Costs and features vary, so it’s helpful to compare options with an insurance professional.

How much life insurance should I consider? Your needs may depend on your income, debts, family responsibilities, future expenses, and existing savings or coverage. Reviewing these factors can help you estimate an appropriate amount.

When should I review my life insurance? Consider reviewing your coverage after major life changes, such as getting married, having a child, buying a home, changing jobs, or starting a business. These milestones can change the amount or type of coverage that may be right for you.

A Helpful Reminder

Insurance policies differ, and coverage depends on the specific terms, limits, exclusions, and deductibles in your policy. If you have questions, my team and I are happy to listen, walk through your options, and help you understand what may fit your needs.