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,...

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...

Detached Garage, Shed, or ADU in Spokane: What “Other Structures” Coverage Actually Pays For

by Tom Moore | Jun 19, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 6/19/2026 Key takeaway: Other structures coverage Spokane homeowners carry on a standard home policy pays for damage to anything on your property that isn’t attached to the...

Why Your Home Policy Probably Won’t Cover an Ice Dam in February

by Tom Moore | Jun 17, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 6/17/2026 Key takeaway: Ice dam damage home insurance in Spokane usually covers the interior water damage caused by an ice dam — drenched ceilings, ruined drywall, soaked flooring...

What Spokane Wildfire Smoke Season Actually Does to Your Home Insurance Claim

by Tom Moore | Jun 12, 2026 | Home Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 6/12/2026 Key takeaway: Wildfire smoke damage home insurance Spokane claims usually fall under the standard HO-3 policy, but only when the smoke causes physical damage you can...