Four reasons why it’s important to have classic car insurance

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Owners of classic cars in Spokane, WA should carry an appropriate insurance policy. Capital Insurance can provide you with a classic car insurance policy that meets your unique insurance needs.

The following are four reasons why it’s important to have classic car insurance:

Owning a classic car is different from owning a regular vehicle. 

Your insurance needs aren’t the same with a classic car as they are with a regular vehicle. A classic car insurance policy is customized for the unique insurance needs of classic car owners. 

You need to protect the value of your classic car.

Classic cars are generally worth more than regular vehicles. You need more collision and comprehensive coverage to cover the full value of a classic car. Fortunately, a classic car insurance policy can protect your classic car up to its full value. 

You are required by law to insure your classic car if you take it out on public roads.

You must have some type of car insurance to legally drive your classic car on public roads. A classic car insurance policy will meet the state-mandated liability coverage requirements for you. 

Classic car insurance can take into account the time your classic car is in storage.

A lot of classic car owners don’t drive their classic cars during the winter months. Instead, they keep their vehicle in storage during this time. A classic car insurance policy can be designed to take into account the reduced usage of the insured vehicle during times of the year when the vehicle is in storage. 

Give Us A Call

At Capital Insurance, we’re happy to provide you with the classic car insurance that you need. We insure classic car owners just like you in Spokane, WA. Get in touch with us so that you can get a quote on a policy that insures your classic car. 

Protecting Your Sports and Recreation Organization with Insurance

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Sports and recreation organizations are a vital part of the Spokane, WA community. Whether you are part of a local sports team or run a business that offers recreational activities, Capital Insurance is here to provide proper insurance coverage.

Why Do Sports And Recreation Organizations Need Insurance? 

Sports and recreation organizations require liability insurance to protect against the cost of third-party injuries, property damage, medical expenses, legal defense costs, and any judgments levied against them if they are found liable for damages due to negligence. The insurance company will pay these costs up to the policy’s limit after assessing their client’s claim. 

Additionally, having sports and recreation organizations insured guards against potential financial losses resulting from equipment damage or theft, as well as lost income due to business interruption caused by unexpected events such as natural disasters.

The Benefits Of Having Insurance

Insurance for your sports and recreation organization provides peace of mind knowing that you are financially protected if something unexpected happens. Additionally, having specific types of coverage, such as workers’ compensation, can help you avoid costly lawsuits if one of your employees is injured while performing work duties for your organization. Finally, having a comprehensive insurance policy can assist with public relations should an incident occur involving members of the public while they are involved in activities associated with your organization.  

Give Us A Call

Insuring your sports and recreation organization is important in protecting your business from potential financial losses due to unforeseen events or liabilities down the line. At Capital Insurance, we understand how important it is to have good coverage, so we offer tailored policies tailored specifically for sports and recreational organizations in Spokane, WA. Contact us today to learn more about how we can help protect your organization!

Why do I need renters insurance?

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Renters insurance is one of those things you don’t think about until it’s too late. Many renters may assume that as long as they don’t own the property, they don’t need to worry about covering their possessions. But Spokane, WA renters should be aware that renters insurance is an important part of protecting themselves and their belongings. Capital Insurance explains why.

What Does Renters Insurance Cover? 

Protect your personal belongings by investing in renters insurance. This type of coverage safeguards you against unforeseen events, such as theft, fire, or vandalism. It also offers liability protection should an accident occur on the property for which you are responsible and damages another person’s items or property. Some policies also cover living expenses if you are forced to temporarily relocate.

Renters insurance also typically covers medical payments for guests who are injured at your rented property due to your negligence or an accident on your premises. Lastly, some policies provide identity theft coverage and coverage for personal items while traveling outside of the residence. In short, renters insurance can provide peace of mind knowing that you and your belongings are covered in case of an unforeseen event.            

Why Is Renters Insurance Important?              

Renters insurance is important because it protects tenants from potential risks associated with renting a home. For tenants, it provides financial protection against damage caused by any incident related to their rental property such as theft, fire, or water damage. 

Give Us A Call

Renters insurance is an important element of being a renter in Spokane, WA as it helps protect tenants from potential losses associated with renting. Contact Capital insurance today so that we can get you the coverage you need.

Who needs to have motorhome insurance in Washington?

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Those that live in the Spokane, WA area will find there is a lot to do and enjoy. If you want to experience the area as much as possible, owning a motorhome can be ideal as it will provide you with a great way to get around. If you do purchase a motorhome, you also need to get motorhome insurance.

There are different situations when someone should have this coverage:

Those that Want to Drive

A situation when you will need to have motorhome insurance is when you want to drive it. If you are going to use any type of vehicle in Washington, you need to have liability insurance. This type of insurance ensures that you have the ability to cover damages if you cause an accident. When you have a motorhome insurance plan, it will provide this coverage to ensure you remain in compliance.

Those Looking to Protect Assets

You will also want motorhome insurance to protect your assets. A motorhome insurance plan with full collision and comprehensive coverage will provide all of the support you need to protect this valuable asset. With this coverage, it will offer support if you need to replace or repair your motorhome. This type of coverage will also be required if you choose to take out a loan when buying your motorhome.

Contact Us Today

If you would like to own a motorhome in the Spokane, WA area, it would be wise to ensure you have appropriate insurance in place. As you are looking for a new motorhome insurance policy, calling Capital Insurance to start your search is always helpful. Capital Insurance understands the value of this coverage and will give you input and guidance to help you choose your policy. This will ensure your asset is covered and that you continue to remain in good standing. 

I’ve Been in a Motorcycle Accident — What Should I Do?

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Capital Insurance Group has served Spokane, WA bikers for years with all their motorcycle insurance needs. No one ever expects to be in a motorcycle accident. But if you find yourself in this situation, it’s important to know what to do next. 

Here is a step-by-step guide to what to do if you’re involved in a motorcycle accident:

Step 1: Check for Injuries

The first thing you should do after a motorcycle accident is to check for injuries. If you or anyone involved in the accident is injured, call 911 immediately. Do not move an injured person unless they are in immediate danger. Once the police and ambulance have arrived, they will take over the situation.

Step 2: Move to a Safe Location

If you can, move your motorcycle to the side of the road, so it’s out of the way of oncoming traffic. Turn on your hazard lights to make your motorcycle more visible. If you cannot move your motorcycle, stay put and wait for help to arrive.

Step 3: Exchange Information with the Other Driver(s)

Once everyone involved in the accident is safe, exchange information with the other driver(s). You will need their name, contact information, insurance information, and license plate number. It’s also a good idea to take photos of the damage to both vehicles and any visible injuries.

Step 4: Call Your Insurance Company

Call the Capital Insurance Group and let us know what happened as soon as possible after the accident. We will probably ask you for all the same information you exchanged with the other driver/s, so it’s helpful to have that information handy when you make the call.

Get Motorcycle Insurance Today

If you have questions or need help with your insurance claim, contact Capital Insurance Group—we’re here to help! We happily serve the greater Spokane, WA community.

Is it time to upgrade the commercial insurance policy protecting your business?

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If you own or operate a business in the greater Spokane, WA area and are looking for an agency to help you with your commercial insurance needs, Capital Insurance is here for you.

Now is an ideal time to upgrade your commercial insurance policy.

As a company grows and changes, so too do its insurance needs. The commercial policy that you obtained when your company was first starting out, may not be adequate for your current needs. Now is a good time to sit down and fully review all of your commercial insurance policies. 

When you have a clear understanding of your current coverage, it is easier to identify any gaps that there may be in protection for your company. And, with a more comprehensive policy, you are able to enjoy further protection. While every policy is different, there are many advantages that come with those that are more comprehensive in nature.

If you have questions or want to ensure that your current commercial policy is the right policy for your company’s current and future needs, it makes sense to sit down with a local agent. Upgrading your commercial policy to one that is more comprehensive is not something to put off until the future. With the right insurance in place, you will gain the peace of mind that comes with knowing that your business has the protection it needs. 

Our team is here to help with all of your commercial insurance needs

Capital Insurance is proud to serve the greater Spokane, WA business community. If you have questions about your commercial insurance needs, contact our office today. We are happy to meet with you to review your unique insurance situation and provide any information that you need. 

Advantages Of Having Umbrella Insurance

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You may have insurance for your home, your car, your health, and your life, but do you have umbrella insurance? Umbrella insurance is designed to give you an extra layer of protection in the event that you are sued or held liable for damages. If you’re considering getting umbrella insurance, Capital Insurance in Spokane, WA is here to guide you.

Here are a few of the advantages of having umbrella insurance:

It Provides Extra Liability Coverage

Your home, auto, and health insurance policies all come with liability coverage. This coverage protects you financially if you are sued for damages or if you are found responsible for an accident. However, the liability limits on these policies are usually quite low. Umbrella insurance kicks in when you have exhausted the liability coverage on your other policies. This can be a lifesaver if you are facing a large lawsuit.

It Can Cover Certain Expenses That Other Policies Don’t

Even if you have great health insurance, there are certain expenses that may not be covered, such as long-term care or dental care. An umbrella policy can help fill in the gaps by covering these expenses. In addition, most umbrella policies will also cover you for lost wages if you are unable to work due to an injury. 

It’s Relatively Inexpensive

When you consider the peace of mind that umbrella insurance provides, it’s actually quite affordable. For a few hundred dollars per year, you can get coverage that will protect your assets in the event of a lawsuit. 

Contact Us Today

Umbrella insurance is one of those things that you hope you never need to use, but it’s nice to know it’s there just in case. If you don’t already have umbrella insurance, speak with your agent about adding it to your existing policy. It could save you a lot of money and headaches down the road. Contact Capital Insurance in Spokane, WA for all your insurance needs.

Why Everyone Needs Flood Insurance

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Floods are a common type of disaster that can cause an extreme amount of damage to a home. When you have been the victim of a flood, you will owe an enormous amount for repairs if you don’t have flood insurance. It’s recommended that everyone get this type of insurance to keep their home protected. It’s important to have this insurance no matter where you live. When you need flood insurance, we’re here to help. Just call us at Capital insurance in Spokane, WA.

Flood Insurance Backing

When you get flood insurance, it is sponsored and backed by the government’s National Flood Insurance Program. This program provides this insurance and makes sure that it’s fully backed. The program also sets the policy’s price so that it is the same no matter where you buy the policy. That’s great for everyone who wants to know that they have the best price for the insurance they get. 

Flood Insurance Claims

Most people only think about flood insurance if they live in an area that has been labeled as a high-risk zone for floods. When you live in one of these zones, you certainly need flood insurance. However, it’s also important to have this coverage when you live outside these zones. About 20% of all flood claims originate from areas that are not inside these zones. That’s a lot of flooding that happens in areas that aren’t considered at high risk. The National Flood Insurance Program recommends that everyone should have this coverage so that they are well-protected in case of floods. It’s important insurance for protecting your finances after a flood has occurred. 

Get Protection Against Floods

If you are looking to get a flood policy, we can help. Just give us a call today at Capital insurance in Spokane, WA to find out more. 

5 Steps to Take When Shopping for Auto Insurance

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Do you live in Washington? If so, chances are you use a car as your main form of transportation. But although driving your own vehicle can be nice and convenient, you need to be aware of the threats out there that can be serious if you’re unprepared for them. That is why Capital Insurance in Spokane, WA offers auto insurance, which provides you with financial protection when an unforeseen event, such as theft, vandalism, or a car accident, occurs. 

But you may be asking, “What are the steps I need to take when shopping for auto insurance?” Thankfully, we have all the steps laid out for you so you can make the best decision for your auto insurance needs.   

5 Steps to Take When Shopping for Auto Insurance

1. Determine what type of coverage you need 

In Washington, required auto insurance includes bodily injury liability coverage, basic personal injury protection, and property damage liability coverage, among others. 

You can also elect to add optional coverages to your policy, which further protect you from damages or losses. These may include comprehensive, collision, emergency roadside assistance, rental reimbursement, and others. 

2. Make sure your insurance company is authorized 

In addition to researching the types of coverage out there, you also need to do your due diligence when it comes to your insurance company and the agent you’re working with. 

Luckily for you, Capital Insurance is a well-respected company represented by a team of experienced licensed insurance agents. You certainly can count on our agents, who are strongly committed to ensuring your safety and wellbeing. 

3. Have all the details of your vehicle available 

These details include the make and model of your vehicle, the number of miles you drive on a daily basis, and whether your vehicle is used for personal or business purposes. 

Your insurance company will consider these factors, as well as other pieces of information when determining your auto insurance rate. 

4. Answer questions about your driving record accurately 

This information, too, will be key when determining the rate of your auto insurance policy. 

Factors that your insurance company will take into consideration include: 

  • Whether you’ve had continuous auto coverage 
  • Your accident history 
  • Your level of driving experience  

The company will also consider your age, gender, location, and marital status, so make sure you have all your driving record and personal information at hand. 

5. Shop for price and customer service 

Hire an insurer that provides top-of-the-line customer service and has your best interests at heart. And, once you’ve found an insurance provider, make sure you purchase auto insurance coverage that helps you meet your budget goals while ensuring you’re well protected. 

Give Us A Call

If you’re looking for affordable auto insurance that meets your needs, Capital Insurance in Spokane, WA has your back. For more information about our auto insurance and other services, contact us at 509-324-1398 and we’ll get in touch with you about your insurance options.

Do I Need Commercial Insurance?

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Commercial property and business owners’ policies provide protection against commercial liability. This typically includes coverage for publicly-owned improvements, such as sidewalks and streets. Such property and business owners’ policies typically do not provide coverage for personal assets, such as inventory or computers. 

If a business has a physical location where employees work and customers interact, it is likely to fall under the umbrella of “insurance”. If you are a single proprietor with no employees, you probably do not need to worry about it too much. If you have a regular schedule of activities, such as renting out your basement to complete strangers, you might want to consider getting business insurance. Contact Capital insurance in Spokane, WA for expert advice. 

Commercial Insurance: What You Need To Know

Commercial insurance protects your business against natural and man-made perils. This can include personal liability, property, cargo, and work accident insurance. It protects a company’s assets against losses from theft, fire, and other risks. It also covers property damage and personal injury liability. 

Commercial property and equipment are often the main assets of a business, so it’s important to protect them. If you own or operate a vehicle for commercial use, such as a taxi or limo, you’ll likely want to get commercial auto insurance. You may also want to consider purchasing homeowners’ or renters’ insurance. 

Public liability insurance protects your business from lawsuits filed by people who were hurt or had their property damaged by your business. You will have to have a public liability policy in place for each location in which your business operates. 

A contractor’s policy will protect your business from the financial consequences of a contractor’s liability if the homeowner sues your contractor. If you want to expand, buy another building, or hire contractors to remodel your building, contractor’s insurance will cover your business for the value of its assets. 

Commercial property insurance can be significantly cheaper than public liability insurance, particularly if you have a low-risk profile.

Contact Us Today

Whether or not you need commercial insurance depends on your business and the risks involved. If your business involves selling items to other people, then you’ll likely need a basic business insurance plan. 

If your business involves selling items to the general public, then you’ll likely need to get a commercial insurance plan. To get your customized plan, call us today at Capital insurance in Spokane, WA.

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