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Spring Storms: Protecting Your Home and Property with Adequate Coverage

Spring is a beautiful time of year, with blooming flowers and warmer temperatures. However, with spring also comes the potential for severe weather, including thunderstorms, tornadoes, and hailstorms. As an insurance agency, it’s our responsibility to remind our clients of the importance of having adequate coverage to protect against the potential damage caused by these spring storms. Here are some key points to consider when it comes to spring storm coverage: Know your coverage:  It’s essential to review your policy to ensure that you have adequate coverage in the event of a spring storm. This includes reviewing your policy limits and deductibles for home, auto, and other insurance coverage that you may have. Consider flood insurance:  Spring storms can bring heavy rains and flooding, which can cause significant damage to your property. If you live in an area prone to flooding, it’s essential to consider purchasing flood insurance, which is often not included in standard homeowners’ insurance policies. Keep your policy up to date:  As your circumstances change, so too should your insurance coverage. If you’ve made any recent renovations or additions to your home, for example, you may need to update your policy to reflect these changes. Document your belongings:  In the event of storm damage, it’s important to have a record of your belongings. This can include taking photos or videos of your property and keeping an up-to-date inventory of your possessions. This information can be invaluable when filing an insurance claim. Our agency can help you:  Choosing the right insurance coverage can be a complex and overwhelming process. Contact our office so we can help ensure that you have the coverage you need in the event of a spring storm: 253-858-9988 At the Sound Business Insurance, we understand the importance of protecting your home and property against the potential damage caused by spring storms. Our team of experienced agents is here to help you review your policy and ensure that you have the coverage you need to feel secure in the face of severe weather. Don’t wait until it’s too late – contact us today to learn more about how we can help you protect your home and belongings this spring.

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What Would a World Without Insurance Be Like?

This Food For Thought Brought To You By Sound Business Insurance The concept of insurance has been around for centuries, with the earliest forms of risk management dating back to ancient times. But what if suddenly, insurance as we know it disappeared? What would happen if the world had no insurance? To understand the impact of a world without insurance, we need to first look at what insurance does. Insurance is a system in which people pay premiums to an insurer who will then cover them in the event of a loss. Without insurance, people would be left to bear the full cost of any losses or damages they suffer. In a world without insurance, people would be much more cautious and risk-averse. They would be much more likely to avoid activities that could result in injury or damage to property, such as driving or participating in extreme sports. Businesses would be hesitant to invest in new ventures or expand their operations, as they would be taking on a significant amount of risk without any protection. The absence of insurance would also have a significant impact on the economy. Small businesses, which often rely on insurance to protect against unexpected losses, would be particularly vulnerable. A single major loss could put a small business out of operation, with no way to recover the lost revenue. This could lead to a domino effect, as the loss of small businesses could lead to a decrease in overall economic activity, resulting in job losses and a decrease in consumer spending. In a world without insurance, the burden of risk would fall primarily on individuals and families. Those with limited resources would be hit the hardest, as they would have no means of recovering from a significant loss. This could exacerbate existing inequalities and lead to a widening wealth gap. Without insurance, the world would also be much less resilient to natural disasters. Hurricanes, earthquakes, and other catastrophic events could wipe out entire communities, with no means of recovery. The financial costs of these events could be overwhelming, leading to widespread poverty and homelessness. The absence of insurance would have far-reaching consequences. People would be more risk-averse, businesses would be hesitant to take on new ventures, and the economy would suffer. Small businesses and low-income individuals would be hit the hardest, exacerbating existing inequalities. Natural disasters could have devastating consequences, with no means of recovery. In short, insurance is a critical tool for managing risk and protecting against losses, and a world without it would be a much more uncertain and vulnerable place. Fortunately, you will never have to worry. All of us at Sound Business Insurance are here, and ready to provide assistance whenever you need us!

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Umbrella Insurance, and Why It’s a Good Idea

These Insurance Tips Brought To You By Sound Business Insurance Umbrella insurance is a type of liability insurance that provides extra coverage over and above the limits of your regular insurance policies, such as homeowners or auto insurance. It acts as a “safety net” for your finances in the event of a lawsuit or a large liability claim that exceeds the coverage limits of your primary insurance policies. Here are some reasons why you might need umbrella insurance: Keep in mind that the need for umbrella insurance varies from person to person, depending on factors such as your assets, income, and potential exposure to liability. It’s important to consult with an insurance professional to determine if umbrella insurance is appropriate for your individual situation. Cost Umbrella insurance is generally an affordable way to increase your liability coverage. The cost of an umbrella insurance policy typically depends on the amount of coverage you need and your personal risk factors. Coverage limits Umbrella insurance policies typically provide coverage up to $1 million or more, depending on the policy. This extra coverage can be a lifesaver in the event of a large liability claim. Eligibility To be eligible for umbrella insurance, you generally need to have a certain amount of liability coverage on your underlying insurance policies, such as auto or homeowners insurance. Claims Process The claims process for umbrella insurance is similar to the claims process for other types of insurance. In the event of a liability claim, you would file a claim with your umbrella insurance company and they would handle the process from there. Policy language: It’s important to review the policy language of your umbrella insurance policy to ensure you understand the coverage and limitations of the policy. This can help you make informed decisions about your insurance coverage. Overall, umbrella insurance can provide important protection for your finances in the event of a lawsuit or a large liability claim. However, not everyone needs umbrella insurance, and it’s important to consult with an insurance professional to determine if it’s right for you. Please contact us at  your convenience for a quote on this valuable coverage at: 253-858-9988

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Ring In the New Year with These Insurance Resolutions

These New Year Insurance Tips Brought to You By Sound Business Insurance As the new year begins, many of us are thinking about resolutions and goals for the coming months. One resolution that is often overlooked, but can have a significant impact on our well-being and financial security, is reviewing and updating our insurance coverage. Here are a few tips for making insurance a part of your new year’s resolutions: 1. Review your coverage: Take some time to review your existing insurance policies to make sure you have the coverage you need. This includes things like health insurance, life insurance, homeowner’s or renter’s insurance, and auto insurance. 2. Update your beneficiaries: If you have life insurance, make sure that your beneficiaries are up to date. This is especially important if you have had any major life changes, such as getting married or divorced, having children, or experiencing the loss of a loved one. 3. Consider additional coverage: Depending on your situation, you may want to consider adding additional coverage, such as long-term care insurance or umbrella insurance. 4. By taking the time to review and update your insurance coverage, you can protect yourself and your loved ones from unexpected events and financial setbacks. Make insurance a part of your new year’s resolutions and start the year off on the right foot. 5. Make sure you have enough coverage: It’s important to have enough coverage to protect yourself and your loved ones. Consider your needs and financial situation when determining the amount of coverage you need. 6. Understand your policy: Make sure you fully understand the terms and conditions of your insurance policy. If you have any questions, don’t be afraid to contact us for clarification. 7. Keep track of your documents: Keep a record of your insurance policies and documents in a safe and easily accessible place. This will make it easier to refer to them in the event of a claim. 8. Use insurance to your advantage: Don’t be afraid to use your insurance coverage when you need it. Insurance is meant to protect you and provide financial support during difficult times, so don’t hesitate to file a claim if you need to. 9. By following these tips, you can make insurance a priority and ensure that you and your loved ones are protected in the coming year. From all of us at Sound Business Insurance we wish you a joyful and prosperous 2023!

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Stay Healthy Through the Holidays

These Holiday Tips Brought to You by Sound Business Insurance “Ho ho ho ho, Merry Christmas and a Happy New Year!” As this holiday season approaches, many of us are preparing for big celebrations and parties. Food, snacks, wine, beverages… there is no better time of the year to fill yourself to your heart’s desire!However, if you are a health-conscious type of person, then this article will reveal some tips for staying healthy this holiday season (while everyone else around you gains 5 pounds!). 1. Eat Snacks Moderately – Let’s face it, snacks are abundant during the holidays seasons (as if they aren’t already throughout the year). If you take a seat within an arm’s reach of the snack table, you’re going to have a tough time keeping yourself from unconsciously grabbing handfuls of party mix, candies, and the like and picking at them all day. 2. Exercise, Exercise, Exercise! – There is no better thing to do during this festive season than to exercise! If the weather permits it, go out and take a quick walk around the house or block. If your celebration is taking place in a colder climate, you’ll be more inspired to quicken your pace and burn a few extra calories in the process. If the weather is bad, do 10-20 squats, stretches, or other brief exercise each time you go to the restroom. 3. Eat Healthy Foods – Take an extra scoop of vegetables and fruit when filling your plate, and by the time you finish, you won’t have room for the other foods which are higher in calories and more likely to cause you to gain weight. Also, avoid those fatty and fried foods (they taste good, but you know they aren’t healthy!) 4. Drink A Lot of Water Throughout The Day – Water helps your body stay fit. Drink a fair amount of water or other unsweetened beverage before each meal, as well as during and between them. The liquid in your stomach will help trick your mind into not feeling as hungry, which reduces the tendency to gorge yourself on potentially fattening foods. 5. Eat in Smaller Portions – Instead of eating platefuls of food, try eating smaller portions throughout the day. No doubt, everything at the table looks good, and it’s all you can do to keep from filling your plate 2-3 times so that you can sample everything.Keeping healthy during this holiday season is simply making sure you follow healthy habits just like anytime of the year. However, don’t fret it if you end up gaining a few pounds during the holidays. After all, the holiday season is only one of the few times of the year where you can truly enjoy yourself! All of us at Sound Business Insurance would like to wish you and yours a very happy and safe holiday season.

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Is the Winter Weather Causing You to Burn Lots of Wood?

These Fireplace Safety Tips Brought To You By Sound Business Insurance The past few months have been very cold for some parts of our country, and that means higher than normal heating bills. Many people turn to wood as a source of heat. If you use a fireplace or wood stove to heat your home, there are a few safety risks of which to be aware. To help you avoid the risk of a chimney fire, here are ten tips for wood-burning fireplace maintenance courtesy of the DIY Network: 1. Have your wood burning fireplace inspected and cleaned by a professional chimney sweep at least once a year and more often if creosote builds up on the chimney walls rapidly. Depending on where you live, this can cost anywhere from $100 to $200. 2. Between professional inspections and cleanings, monitor your wood burning fireplace for signs of buildup or other problems. 3. Your chimney has a cap with open sides usually covered with mesh to keep rain, birds, squirrels, other animals, and debris from entering the chimney. The cap should be inspected regularly and replaced when necessary. 4. Check the interior of your wood burning fireplace’s chimney for creosote buildup. 5. Also watch for soot buildup in the chimney of your wood burning fireplace. Soot is softer than creosote, flammable, and should be cleaned out of the chimney regularly. 6.If possible, burn hardwoods like maple, oak, ash, and birch. The advantages of hardwoods are that they burn hot and long, have less pitch and sap, and tend to cause less creosote buildup. On the other hand, they generally are more expensive than softwoods. 7. Anytime there is smoke indoors from your wood burning fireplace, troubleshoot and immediately correct any problems that you find. Possible causes of smoke are a dirty chimney with creosote or soot buildup, other debris in the chimney, a damper that isn’t open or is only partly open, or wood that is not burning completely. 8. To ensure wood burning fireplace safety, consider installing a stainless steel liner that will withstand even the highest temperatures and will keep the fire and its embers contained. 9. To improve your wood burning fireplace’s efficiency, consider installing heat-proof glass doors to protect against heat loss and a fan or blower to direct the heat into the room. Doors are also a safety feature, since they can keep live embers from escaping the fireplace into the interior of the home. Glass doors should be cleaned regularly with a paper towel and glass fireplace door cleaner. 10. Clean your wood burning fireplace’s interior, including its floor, regularly. Sweep out or vacuum up cold ashes. Wear a dust mask and gloves when cleaning the fireplace. FEMA has some additional safety tips via this link: https://www.fema.gov/fact-sheet/chimney-fire-precautions#:~:text=Fireplace%20safety%3A,3%20feet%20from%20your%20home.​ Finally, it is also a good time to have a review of your home and auto insurance policies. Call us today at 253-858-9988 and let us provide a free quote.  

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Should I Consider Purchasing Flood Insurance

This Newsletter Brought to  You by Sound Business Insurance Residents of the Florida Panhandle were left reeling on Sunday after Hurricane Ian inflicted heavy flooding and damage. Ian was downgraded to a Tropical Storm on Sunday morning but continued to bring heavy rains and wind gusts of up to 50 mph to the area. Quite a few residents died in flooding related to the storm. In Escambia County, emergency crews responded to more than 100 high-water rescues, most involving stranded motorists. The county’s public safety director, Tony Green, said the area had not seen flooding this bad since Hurricane Ivan in 2004“It’s widespread. It’s not just one area. It’s all over the county,” Green said.  Despite the storm’s downgrade to a Tropical Storm, officials were warning residents not to let their guard down. “Just because it’s a Tropical Storm doesn’t mean it’s not a serious storm,” Escambia County Sheriff David Morgan said. Even if your State is not affected by hurricanes, flood insurance is still worthy of your consideration. There’s no doubt that flood insurance can be a valuable asset for homeowners. After all, flooding is one of the most common and costly natural disasters in the United States.  But is flood insurance right for you? Here are a few things to consider: 1. Check your flood risk.Not all homeowners need flood insurance. In fact your chances of experiencing a flood are pretty low if you live in a low or moderate risk area. To find out your risk level visit https://www.fema.gov/flood-insurance and input your address. The type of coverage you need will depend on your risk of flooding and the value of your home. Basic flood coverage usually includes damage to your home and belongings, but you can also purchase additional coverage for things like temporary living expenses and repairs. 3.Assess your budget Flood insurance can be expensive, but it’s worth comparing rates from different insurers to find the best deal. Keep in mind that you may be eligible for discounts if your home is in a low-risk area or if you have a federal flood policy. 4.Review your policy It’s important to read over your flood insurance policy carefully to make sure you understand what’s covered and what’s not. For example, most policies don’t cover damage caused by flooding that results from a hurricane or other natural disaster. 5.Make a PlanFlooding can be a devastating event, so it’s important to have a plan in case it happens. Make sure you have contact information for your insurance company, as well as for a reliable handyman or contractor who can help with repairs. We would like to thank you for your continuing business, and please feel free to call us at 253-858-9988 so we can answer any of your insurance related questions. 

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Extreme Weather and Insurance Premiums

This Newsletter Brought to you by Sound Business Insurance Global temperatures are on the rise, and extreme weather is one of the most pressing issues of our time. As the Earth’s climate changes, our insurance premiums will too. Here’s what you need to know. Are insurance premiums going to rise because of climate change? Global temperatures are on the rise, which is causing climate change. And with climate change comes an increased risk of natural disasters like hurricanes, earthquakes and wildfires. These disasters can cause extensive damage to property, and as a result, insurance premiums are likely to rise. How big of a rise can we expect? It’s difficult to say for sure, but experts believe that insurance premiums could go up by up to 50% in the next decade. This is because the risk of natural disasters is increasing as the Earth’s climate continues to change. What can I do to protect myself? Unfortunately, there’s not much that individuals can do to protect themselves from the effects of climate change. However, you can take steps to reduce your risk of a natural disaster happening in the first place. For example, you can make sure your home is properly insured, and you can have a disaster plan in place. Disasters can happen anywhere in the world, so it’s important to be prepared. If you live in an area that’s prone to natural disasters, make sure you have an evacuation plan and some emergency supplies on hand. And if you do experience a natural disaster, make sure to contact your insurance company as soon as possible. Flooding is becoming more frequent and extreme. Flooding is a common natural disaster that can cause serious damage to property. Even a few inches of water can cause extensive damage, and many homeowners and renters insurance policies do not cover flood damage.  Homeowners and renters who want to protect themselves from potential flooding damage should consider purchasing a flood insurance policy. Flood insurance policies are available through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). The NFIP offers two types of flood insurance policies: standard and excess. Standard policies provide up to $250,000 in coverage for building damage and $100,000 in coverage for personal property. Excess policies provide up to $500,000 in coverage for building damage and $500,000 in coverage for personal property. Flood insurance policies are not available in all areas. Homeowners and renters who want to purchase a policy should contact our office to see if coverage is available in your area and what the cost might be In general, the higher your risk of flooding, and the coverage you need, the higher your flood insurance premiums will be. However, there are a number of ways to reduce your premiums, including raising your deductible and taking steps to reduce your risk of flooding. Please call our office at 253-858-9988 for more information.

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Nobody Wants a Hot Dog!

These Cool Tips Brought To You By Sound Business Insurance Summertime can be a lot of fun, but it’s important to remember to take precautions when it comes to your pets. Make sure to keep them hydrated and cool, and never leave them in a car unattended. By following these tips, you can help ensure that your pet has a safe and enjoyable summer. * Make sure they have access to plenty of water. * Create a shady spot for them to relax in. * Place ice cubes in their water dish.  * Run a fan near them. * Place a frozen bottle of water on the floor for them to play with. * Give them frozen treats or frozen bones. * Take them for walks or play with them in the yard in the early morning or evening when it’s cooler. * Buy a pet cooling mat. * Watch for signs of heatstroke in pets, which can include excessive panting, drooling, vomiting, and loss of coordination. If you think your pet may be suffering from heatstroke, call your veterinarian immediately.

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Protect Your Home Against Wildfires

These Fire Safety Tips Brought to You By Sound Business Insurance Wildfires are becoming increasingly costly for insurers, as the number of claims for property damage and business interruption continues to grow. Many experts believe that climate change is contributing to the increased severity and frequency of wildfires, and that this trend will continue in the years ahead. As a result, insurance companies are facing ever-rising premiums and increasing claims payouts, which is likely to lead to higher premiums and fewer choices for consumers. In the long run, insurers may find it difficult to remain profitable in the face of rising wildfire claims, which could eventually lead to higher rates and fewer policies available. Wildfires can start from any spark, and they can spread quickly. In just a few minutes, a small fire can become a large and dangerous one. Here are some tips to help protect your home and property from wildfires.” 1. Keep your property clean of debris and vegetation. 2. Install a home fire sprinkler system. 3. Equip your home with fire-resistant roofing and siding. 4. Make sure your yard is free of any combustible materials. 5. Install smoke alarms and heat detectors. 6. Keep a fire extinguisher on hand. 7. Practice a home fire drill. 8. Stay informed about local fire conditions. 9. Evacuate when instructed to do so. Wildfires can be devastating, but by following these tips, you can help protect your home and property. Even if you don’t live in an area that is prone to wildfires, it’s important to take some precautions and follow these tips to protect your home just in case. Also, make sure to keep a well-maintained yard so the fire department can quickly access your property in case of a fire.

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Formerly Sound Business & Health Insurance

Sound Insurance Northwest

3312 Rosedale Street, Suite 103
Gig Harbor, WA 98335

(253) 858-9988

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