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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How long does it take to get an auto insurance quote?
  2. Does my car insurance cover a rented vehicle?
  3. Water Sewer Backup
How long does it take to get an auto insurance quote?
I receive calls looking for car insurance quotes on a regular basis.The first thing they ask, how long will it take to get a insurance quote. In general the answer is about 5 minutes our office number is 509-590-1529. I also let the these folks know they can get home and auto insurance quotes directly from our website. Although not all insurance companies have the capability to provide insurance rates online. The most competitive will be emailed. 

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Does my car insurance cover a rented vehicle?
All insurance carriers cover rental cars differently. In general, coverage extends from your current policy to the vehicle being rented.  There are a few things to consider. 1) If the policy does not have comprehensive or collision coverage the rented vehicle will not have physical damage coverage. 2) Your deductible will apply. 3) Roadside assistance does not carry over from your policy to the rented vehicle. 4) If the rented vehicle is out of commission due to an accident the rental car company most likely will charge the person that rented the vehicle for loss of rental income. For example, if the vehicle was in an accident and the repair took 5 days, you would be responsible for the income the company could have generated had the vehicle been available for rent

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Water Sewer Backup

Water back up and sump pump failure coverage is an endorsement to the homeowners insurance policy that provides coverage to property damaged by water that backs up into the home through pipes, drains, sewer, water-service, sump pump and any other type of fluid transfer system from the house.

Water backup is very common in areas where the public water systems are old such as Spokane Metro areas.

It is important to understand the water back up and sump pump failure coverage is an endorsement to the homeowners insurance policy.  This coverage Does Not come standard.  You have to add the coverage and in most cases pay an additional premium otherwise you do not have coverage for this type of loss



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  312 W Nora Ave | Spokane, WA 99205
Phone: 509.590.1529 | Fax: 800.381.0284