Spring Cleaning Checklist Tacoma, WA

5 Ideas to Spring Clean Your Car or Home

Spring Cleaning Checklist Tacoma, WAHaving a clean home or a clean car is a great feeling. While it can be a pain to get started mentally, it’s always worth it once it’s complete. Here is a quick checklist to help you when it comes to spring cleaning your vehicle and your home. Consider committing a few hours to your car and your home over a weekend. With a solid to-do list, you may find it takes less time than you think.

Five Things to Do For Your Car –

  • Check the conditions on your tires. Any visible sidewall damage or bulging?
  • Wipe down all windows on the inside. While you’re at it, wipe down your dash with a vinyl cleaner. Not only will it be nice to wipe away any dust or grime, but it can help protect against the sun’s UV rays.
  • Check for the last maintenance visit. How long has it been since your last oil change?
  • Check your wiper blades. Are they cracked or do they leave streaks?
  • Give your car a wash, possible wax and vacuum the interior! If you have the supplies at home, great! If not, drive down to your local car wash to tidy up the interior and exterior of your vehicle. Doing so will help maintain the value of your vehicle.

Five things to do for your home –

  • Dust

Make a checklist of all the areas in your house where dust can collect. We typically look to dust televisions, window sills, baseboards, blinds, picture frames, night stands, the top of cabinets or ceiling fans or bed frames.

  • Organize

Go through your cupboards and closets. Consider donating any clothing you haven’t worn in over a year. Organize your cupboards like your food pantry, junk drawers or storage closets.

  • Change smoke detector batteries

This chore takes less than 5 minutes to complete. If you have a carbon monoxide detector, check the batteries there too.

  • Disinfect

This may take a little more time. It’s always good to wipe out your refrigerator a few times a year. You can disinfect areas like your shower, tub, toilet or wash your shower curtains. Also, disinfect your TV remote, door knobs, computer mouse or drawer handles.

  • Donate

It feels good to get rid of things! Whether it’s going through your closet to donate clothing or going through your garage, getting rid of things can make your life feel organized.

We hope this short checklist to spring cleaning your home or car is helpful. If have questions about your car insurance or other vehicle insurance, contact us! We can also do a policy review for your home or condo insurance. Take advantage of working with a local independent insurance agency to ensure you have the right insurance coverage for your needs.

Customized Vehicle Insurance Tacoma, WA

Do You Have Custom Paint, Parts or Equipment for your Vehicle?

Customized Vehicle Insurance Tacoma, WAA lot of people take great pride in their vehicles and for them it isn’t only an asset, it is something that expresses their individuality. But, if you’re customizing a vehicle, whether it be a car, motorcycle or ATV, you want to make sure that your insurance policy covers the custom parts and equipment as well as the modifications and labor that might be going into it.

Lifted Vehicles

For those of us who have owned or currently own a lifted truck or SUV, they’re a lot of fun! Not only are they more capable off-road, but you get a higher vantage point for visibility and driving them can add to your enjoyment of owning the vehicle altogether. However, be sure to let your insurance agent know that you have a vehicle with modified suspension. In the event of a claim, custom suspension and wheels and tires can be considered custom parts and equipment. This means that unless you have an endorsement for larger, more expensive wheels and tires as well as the lift kit, you may be out the difference in price from stock if you find yourself in a claims situation. Typically this is called a Custom Parts & Equipment endorsement.

Custom Paint

A custom paint job can set your vehicle apart from the rest and express your individuality. If you have a car with a custom paint job on your car or motorcycle, you’ll want to be sure to get the Custom Parts & Equipment endorsement for this too. Custom paint is expensive and if you find yourself without the coverage, you’re not likely to be compensated fairly without it.

Custom parts and equipment (CPE)

The simple rule of thumb with CPE is that if it wasn’t that way from the factory it is considered custom. Custom parts and equipment can include the following items:

  • Stereo system
  • Navigation System
  • Custom Wheels & Tires
  • Lift Kits
  • Paint Jobs
  • Chrome Accessories
  • Custom seat, handlebars, grips, exhaust & more on motorcycles for example.

Custom parts and equipment is not a standard type of coverage. Some insurance companies offer basic CPE coverage for certain types of vehicles like motorcycles but as a rule of thumb and a precautionary, never assume that your custom parts are covered. Be sure to tell your licensed independent agent about the custom parts on your car, truck or specialized vehicle like your motorcycle to ensure you have the right amount of protection and can replace your vehicle in the event of a loss.

COVID-19: Insurance for businesses and events

This is an important notice on insurance information for businesses sent by Commerce at the request of the Washington State Office of the Insurance Commissioner. View it online here.

Washington state business owners typically buy insurance coverage to protect themselves from potential losses. With the outbreak of a coronavirus (COVID-19), business owners may question if their existing insurance policy covers this type of loss.

What you need to be covered

To be covered against any business losses due to a communicable disease, such as COVID-19, you would need to have purchased an additional endorsement to your policy.

Contact your insurance agent or insurance company directly to find out if you already have this added coverage. If you don’t have added coverage and would like to buy it, contact your insurance agent or company to see if it’s available.

If you didn’t buy the added endorsement prior to the outbreak and you want to buy it, the insurer may not want to sell you the endorsement.

Event cancellation insurance

Event venues typically require the person or company booking a scheduled event to have event cancellation insurance coverage. Coverage for communicable disease outbreaks is typically not included in a standard event cancellation insurance policy. This type of insurance only covers these type of perils:

  • Adverse weather
  • Natural disasters
  • Labor disputes
  • Acts of terrorism
  • Failure to vacate
  • Non-appearance

What you need to be covered

You can buy an added endorsement to your event cancellation insurance policy to cover cancelling an event due to a communicable disease. If your insurer doesn’t offer this type of endorsement, you should shop around with other insurers.

Be aware that if you didn’t buy the added endorsement prior to the outbreak and you need to cancel an event, the insurer cannot back date a policy to provide coverage for the cancellation. Insurers may also not want to sell this type of endorsement.

NOTE: The Office of the Insurance Commissioner does not have the authority to require insurers to sell any type of coverage or policy endorsements to consumers.