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...

Classic Car Insurance vs. Standard Auto: Why Your 1968 Mustang Should Not Be on Your Regular Policy

by Tom Moore | Jul 1, 2026 | Auto Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 7/01/2026 Key takeaway: Classic car insurance is a specialized policy designed for collector vehicles that appreciate in value rather than depreciate. Instead of paying out actual...

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...