Boat Insurance Port Angeles, WA

Do you have the coverage you need?

A lot of people think their homeowners insurance policy covers their boat. Truth is, most homeowners policies cover very little in terms of boats or may exclude them completely.

Since boat insurance isn’t required in Washington State, a lot of people skip it in order to save money.  But that’s a very risky idea!

What If? What if a boat hits you? What if a passenger gets hurt? What if you hit a neighbor's dock?

Make sure your boat and boating equipment are protected with quality boat insurance from Allstate. It can cost as little as $20/mo.  

Call Matt Elwood at 360-452-9200 for a free quote on your boat or watercraft.

What To Do After An Insurance Claim In Washington State

Claims can be a stressful process.  I've worked with my clients after car accidents, home fires, storm damage, and even a death in the family.  Insurance claims are tied to the most stressful events in our lives.

That's why it's extremely important that you work with an agent and a company that you trust.

After an insurance claim, you will work with an adjustor to evaluate your loss.  Depending on the type of claim, they will examine the property and gather more information.  You will then be offered a settlement and the process will begin to restore your loss.

So what happens if things don't go smoothly at first?  Maybe you don't agree on the amount or can't get the right documentation?

That's where I come in.

My job, as your agent, is to also be your advocate.  My office goes to work to help you communicate with your adjustor if there is a problem.  That means that when you need help, we're there.

Yes, sometimes you can get cheaper rates with unknown companies.  And you might love being able to buy online without talking to an agent.

But when it comes down to those stressful moments, it's great to have someone on your side.  If you live in Washington State, call my office today at 360-452-9200 and let us protect you family next.

For more information, please visit Matt Elwood - Allstate Insurance.

Do You Need Rental Reimbursement Coverage?

I often get phone calls from clients in Port Angeles and beyond who are looking to save a few dollars on their car insurance. They look at the various coverages on their policy and want to drop anything that isn't totally necessary. And rental reimbursement coverage is one I hear about
frequently.

So, do you really need it?

Rental reimbursement will pay for a rental vehicle while your car is in the shop due to a
covered claim. If you would be in big trouble without your car for a few days, then YES you want to
keep your rental coverage. If not having your car would mean not going to work or
being unable to get the kids to school then it's pretty important.

However, if you have three cars and one is never driven, it's probably not as big of a deal.
You need to look at your own situation and weigh the cost of the coverage. For many of
my clients, rental coverage is less than a cup of coffee each month and worth a whole
lot more when they have a claim.

Look at your situation and then call us at 360-452-9200 to schedule a review of your
car insurance and let us look for personalized ways to help you control your costs without sacrificing coverage. 

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services we can offer in Port Angeles, Sequim or anywhere Washington State.

Why You Need Renters Insurance in Port Angeles

If you are currently renting your home or apartment, it’s time to learn more about renters insurance!  

Here’s the deal.  Homeowners insurance covers the house itself and the items inside.  But if you don’t own the home, you don’t need insurance to cover it.  All you need is coverage for your personal belongings.

It might not seem like a lot, but all those little items add up!  When you think about the cost to replace your furniture, dishes, sheets, clothes, books, and everything else filling up your home, it’s probably more than you thought.  

Renters insurance is an affordable way to protect what you’ve worked hard to acquire.  And it’s probably a lot cheaper than you’d expect!  In fact, many times the discount you receive on your car insurance for having multiple policies can almost pay for the entire renters policy! 

Renters insurance also includes important liability coverage.  If you accidentally cause a fire that burns down the property, your insurance pays the landlord to replace it (protecting you from a damaging lawsuit).  

So if you’re renting in Port Angeles, it’s time to look at protecting your valuables.  Give us a call at 360-452-9200 today and ask for a no obligation quote on renters insurance.  And don’t forget to find out how much you’ll save on your car insurance too! 

Get a Quote from Allstate Insurance First

If you think Allstate is expensive, I’ve got good news: I might be able to save you money on your car insurance. Nearly 7 out of 10 customers who switched their auto insurance to Allstate paid less. In a recent study, drivers who switched to Allstate saved an average of $498 a year.
 
To give you an idea of how much you can save with Allstate, we looked at a typical customer profile (25 year-old married male from Port Angeles, Washington, 2011 Honda Accord LX) and applied the following discounts:

Discounts

Multiple Policy Discount, Passive Restraint Discount, Electronic Stability Control Discount, Anti-lock Brake Discount, Responsible Payer Discount, Allstate Easy Pay Plan Discount, Safe Driving Club, and Full-Pay Discount. 

Coverage

Bodily Injury $50K/$100K, Property Damage $50K, Uninsured/Underinsured Motorist BI $50K/$100K, UM PD $50K, Personal Injury Protection $10K, Collision $500 Deductible, Comprehensive $500 Deductible…Total 6 month premium was $255.45 with a monthly premium of $42.58.

As you can see, you can save a lot with Allstate car insurance. My number one priority is helping make sure you and your family have the right protection. This is just one example and everyone’s situation is different. Coverage and discounts subject to terms, conditions and availability.

To find out how much you can save, call me today at (360) 452-9200 for a free quote! Or to learn more, please visit my official Allstate website at Matt Elwood – Allstate Insurance.

Eight Tips To Remember Before Your Life Insurance Exam

Your diet and behavior before your life insurance exam may affect the results and ultimately how much you end up paying. The better underwriting class you qualify for, the cheaper your policy will be.

Here are eight tips to remember before your life insurance exam.

1. Schedule your exam for the morning time after a good night’s rest. 2. Avoid drinking coffee or anything with caffeine the day of your exam. 3. Avoid strenuous exercise 12-24 hours before your exam. This will allow your body to fully recover and get your vitals back to normal. 4. When it comes to alcohol, we all know that moderation is best. Just make sure you moderate at least a day before your exam so your liver enzymes don’t go off the chart. 5. Drink lots of water. Not only is it good for you and helps flush your body, but your exam will most likely include a urine test so you will need to be able ‘to go’ when asked. 6. The insurance company is going to want to review your medical records as part of the application. Prepare a list of your health history and doctors including name, address and phone numbers. The more information you can provide, the quicker your application will be processed. 7. Nicotine is stimulant so if you do smoke, hold off until the exam is completed to light up that first drag of the day. 8. Make sure your exam is confirmed. Your agent and examiner should do this as well, but nothing is more frustrating than confusion as to the date and time of the exam. If you live in a gated community, apartment complex or any other area with special access instructions or hard to find roads, notify your agent and/or examiner when making the appointment.

Life Insurance exam

Fasting

You may also be wondering whether or not you should fast before your exam? I have heard varying opinions, but if it were me, I would fast the night before. If you do feel the need to eat, just make sure it is light and easily digestible.

These tips along, with a healthy lifestyle, will ensure you getting a better outcome with your next life insurance exam. If it has been a while since you reviewed your life insurance or are considering it for the first time, please give me shout.

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State.