Renters Insurance for Gonzaga, EWU, and Whitworth Students: On Mom and Dad’s Policy, or Their Own?

by Tom Moore | Oct 7, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 10/7/2026 Key takeaway: Whether your student needs their own renters insurance in Spokane depends on two things: where they live, and how old they are. Most homeowners policies...

When Umbrella Insurance Stops Being Optional for Spokane Families

by Tom Moore | Sep 4, 2026 | Personal Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 9/04/2026 Key takeaway: You need umbrella insurance when a lawsuit against you could exceed the liability limits on your home or auto policy. For most Spokane families, that point...

Does Homeowners Insurance Cover Trampoline Accidents? Here’s the Real Answer

by Tom Moore | Sep 2, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 9/02/2026 Key takeaway: Most standard homeowners policies in Washington do cover trampoline and pool injuries under personal liability protection, but the coverage amount is...

Does Your Home Insurance Cover a Dog Bite? (And What Breeds Get You Dropped)

by Tom Moore | Aug 28, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 8/28/2026 Key takeaway: Yes, homeowners and renters insurance typically covers dog bites under personal liability, paying medical bills and legal costs up to your policy limit....

The ACV Roof Claim That Only Pays Half What You Expected

by Tom Moore | Aug 26, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 8/26/2026 Key takeaway: An actual cash value (ACV) roof claim pays your roof’s depreciated worth at the time of damage, not the cost to replace it. If your roof is older,...