All Lines Insurance

Thank you to every client and neighbor who brought school supplies and kids' clothing to our Open House. It's all headed to Shiloh Hills Elementary, the school we've supported through Second Harvest's Bite2Go program.

Bite2Go sends food home with kids for the weekend. Supplies and warm clothes cover the rest of the week. Between the two, a kid gets to just be a kid at school instead of managing what they're going without.

Spokane shows up for its kids. Friday was one more example. Thank you.

You raised your deductible to knock the premium down. Smart, on paper.

Here's the part nobody says out loud. That number is what you pay before we pay a dime. Bump it from $500 to $1,500 and yes, the monthly drops. But a cracked windshield, a hail-dented roof, a fender bender on an icy Spokane morning? Now you owe that $1,500 first.

The math only works if you'd actually have the cash sitting there on claim day.

So before you raise it, ask one honest question: could you write that check tomorrow without wincing? If the answer's yes, lower premium, higher deductible, good move. If it's "maybe," let's run the numbers together first so the savings don't turn into a surprise.

Thank you to everyone who came out Friday for our annual Open House. Clients we've worked with for years, folks we met for the first time, and a few of you who showed up for lunch and stayed for two hours on the lawn. That's the whole point of this thing.

Huge thanks to Little Munich for feeding the entire Monroe Street block. Irene and her crew ran that truck all afternoon without missing a beat, and the schnitzel earned every bit of the line that formed for it.

And to Lilac Coffee for keeping the caffeine flowing through a long afternoon. Somehow you always knew who needed the second cup.

Same time next year.

That smell when the furnace first kicks on every fall? Usually just dust burning off the heat exchanger. Nothing to panic about.

But that first burn is the one time all year your heating system shows you what shape it's really in. Faults show up under load. A cracked heat exchanger. A failed safety switch. A burner that didn't sit idle well all summer.

Here's the part people miss. A fire that starts from a neglected system can play out very differently on a claim than a sudden, accidental one. Maintenance isn't only a safety habit. It's a coverage habit.

Get it serviced before the cold really sets in. Then call us and we'll walk you through how your home policy treats fire and heating claims. No pressure, no pitch.

Twenty-five years on, and some mornings still stop you cold. Today is one of them.

We're remembering the people who didn't come home on September 11, and the firefighters, medics, and police who ran in when everyone else ran out.

From all of us here in Spokane: we haven't forgotten.

Thinking of the families and first responders affected on this day.

Pencils. Glue sticks. Notebooks. A backpack that isn't falling apart.

That's the list for kids at Shiloh Hills Elementary, and we're collecting for it at our Open House Friday.

Friday, September 11 | 11 AM to 3 PM | 6404 N Monroe St

Drop your donation at the table by the entrance.
Then join us for our Oktoberfest!
https://www.facebook.com/share/1EYoXCzNvR/

Three hundred dollars of freezer beef. One windstorm. Two days without power. Now what?

If you've lived through a Spokane windstorm, you know the outage isn't the surprise. The surprise is the freezer.

Good news: a lot of home policies cover food spoilage after a covered outage. Less good news: there's usually a limit, and there are usually conditions, and almost nobody reads that part until the food's already warm.

Five minutes with your agent now beats a garbage bag of ruined groceries later. Ask what your policy actually says about spoilage. We're happy to walk you through yours.

Somewhere around August, your kitchen table stopped being a kitchen table.

Now it's a packing station. Boxes of inventory in the spare room. A label printer where the fruit bowl used to be. You're building something real for the holiday markets around Spokane.

Here's the part nobody mentions. A standard homeowners policy usually caps business property at a low limit, and some exclude it flat out. So the stock you've spent months making could be sitting in a room your policy doesn't really see.

One kitchen mishap. One break-in the week before a big market. That's the moment you'd find out.

Call us before market season and we'll look at what your setup actually needs. No pitch, just a straight answer.