Why Your Boat Insurance May Not Cover You on Lake Coeur d’Alene

by Tom Moore | Jul 10, 2026 | Personal Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 7/10/2026 Key takeaway: Boat insurance on Lake Coeur d’Alene can leave Spokane boaters exposed in ways a standard policy won’t flag. Because Lake CDA sits in Idaho,...

ATV and UTV Insurance in Washington: What the State Actually Requires vs. What You Should Carry

by Tom Moore | Jul 8, 2026 | Personal Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 7/08/2026 Key takeaway: Washington state does not require liability insurance on ATVs or UTVs for off-road use on trails and private land. You only need insurance if your machine...

Insuring an RV You Live In Part-Time: What “Full-Timer” Coverage Means and Who Needs It

by Tom Moore | Jul 3, 2026 | Personal Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 7/03/2026 Key takeaway: RV full-timer insurance is a specialized policy endorsement or coverage tier designed for people who use their RV as a primary or part-time residence, not...

How Often You Should Actually Review Your Insurance (And What to Look For)

by Tom Moore | Jun 10, 2026 | Home Insurance, Auto Insurance, Business Insurance, Commercial Insurance, Life Insurance, Personal Insurance, Umbrella Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 6/10/2026 Key takeaway: How often should you review your insurance policy? Once a year at minimum, and again any time something material changes — you move, you marry, you...

Your Website Lets Users Post Content. Are You Ready for What That Costs You?

by Tom Moore | Apr 29, 2026 | Business Insurance, Auto Insurance, Commercial Insurance, Personal Insurance, Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/29/2026 Key Takeaway: User-generated content (UGC) liability is the legal risk a business takes on when it hosts content created by third parties — comments, reviews, forum...

Why Indemnification Clauses Change Your Insurance Exposure

by Tom Moore | Feb 27, 2026 | Personal Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Indemnification clauses and insurance exposure go hand in hand. An indemnification clause shifts financial responsibility from one party to another, often...