by Tom Moore | Mar 6, 2026 | Home Insurance
Key takeaway: Additional insured endorsement risks arise when you extend your liability coverage to another person or organization. While common in contracts, these endorsements can shift defense costs, erode policy limits, and increase your exposure to lawsuits. This...
by Tom Moore | Feb 18, 2026 | Home Insurance, Personal Insurance
Key takeaway: Yes, you can be sued if someone slips on your icy porch, especially if it appears you failed to take reasonable steps to address a known hazard. In Spokane’s winter climate, homeowners have a duty to maintain safe conditions. Your homeowners policy may...
by Tom Moore | Feb 13, 2026 | Home Insurance, Small Business Insurance
Key takeaway: Short-term rental home insurance coverage is not automatic under a standard homeowners policy. Occasional rentals may be tolerated, but frequent Airbnb or VRBO activity can trigger exclusions, denied claims, or policy cancellation. Spokane homeowners...
by Tom Moore | Feb 4, 2026 | Personal Insurance, Home Insurance
Key takeaway: Storm damage insurance in Spokane can protect you from wind, hail, fallen trees, and water damage, but only if your coverage matches real storm risks. Many denied or underpaid claims come down to exclusions, deductibles, and misunderstandings that could...
by Tom Moore | Jan 17, 2026 | Home Insurance, Personal Insurance
Key Takeaway: Accurate rebuild coverage, protection against area risks like winter damage and wildfire smoke, and liability limitations that match legal and financial realities define the best homeowners insurance in Spokane in 2026. Older homes, bespoke features, and...
