What Makes Strand Insurance Special
Here’s what sets us apart when it comes to serving your insurance needs.
Community Focused
We have a great affection for the individuals and businesses of our community and actively participate in the charities we endorse.
Client-Centered Agency
Our aim is to meet the needs and exceed the insurance expectations of our clients, regardless of the circumstances.
Decades of Dedication
With more than ninety years of experience, we understand what it requires to produce excellent coverage.
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We believe in establishing strong relationships with our clients, as a neighbor and friend. Whether you are in the insurance business or in the personal market, we will give you the utmost service quality and dedication you deserve.
As an independently operated agency, we have the benefit of being partnered with some of the most recognized and reputable insurance providers in the nation. This allows us to offer you customized insurance coverage at the most competitive prices, ensuring that your unique coverage needs are appropriately addressed through our hard work.
Our Strand Insurance team is available to support you throughout the entire process, whether you need help filing a claim, assistance in creating customized coverage to suit your specific requirements, guidance on insurance inquiries, or answers to any questions you may have. With our 95 years of industry expertise, we are here to assist you at every stage.
Why Choose Independence? Discover More
We are licensed in NV, AZ, HI, UT, CA, OR, and WA. Our emphasis is on extending insurance solutions to clients throughout Washington and Oregon.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Fire.
Risk Factor……………
Rebuilding a home can often cost significantly more than expected, as construction and building materials expenses are rarely in line with inflation rates. It is important to remember to have adequate insurance coverage to replace the contents of your home in case of fire. Not only can fires cause significant physical damage to your home, but they also have an emotional impact. Most fires are devastating.
Solution……………
Ensure that your homeowners policy includes replacement cost coverage without any limit. This will safeguard you in case the expense of rebuilding your house exceeds your current coverage limit. Additionally, make sure that your insurance policy covers the reconstruction of your home according to the prevailing building codes. As local ordinances and building codes frequently evolve, there may be additional expenses involved.
Personal Possessions / Belongings – Property Destruction.
Risk Factor……………
Furniture, appliances, clothing, electronics, and other personal belongings may also be harmed or ruined. Moreover, your personal possessions are vulnerable in the event of unforeseen circumstances causing damage to your residence.
Solution……………
Make sure your homeowners insurance policy includes coverage for the full cost of replacing damaged items, so you always receive the full cost of whatever item needs to be replaced. Typically, homeowners insurance policies cover personal property, including the contents of your home and other personal items owned by you or your family members who live with you.
Additional Living Costs / Loss of Utilization.
Risk Factor……………
In the event of significant damage to your home caused by unforeseen circumstances like lightning, fire, or a storm, you might have to bear extra costs for accommodation, meals, and other everyday necessities, thereby preventing you from residing in your house until it can be restored or reconstructed.
Solution……………
Ensure that your homeowners insurance policy provides coverage for additional living expenses incurred while your temporarily uninhabitable house is being rebuilt or repaired, in case you need to compensate for reasonable costs of living and housing during the event covered by the policy.
Valuable Possessions.
Risk Factor……………
Usually, homeowner insurance policies have a limit on valuable items like jewelry, fur, fine arts, and other collectibles.
Solution……………
Obtain a personal flotation device or make arrangements for the protection of your valuable possessions to ensure that you will have the means to replace them.
Medical Expenses.
Risk Factor……………
If a visitor is injured on your premises, even if it’s because of a casual baseball game, you might be obligated to cover any medical costs related to their injury.
Solution……………
If someone gets injured on your property and needs medical attention, you can submit the medical expenses to your insurance provider. Your homeowners insurance should have coverage for medical expenses to cover injuries and their treatment, typically for minor incidents. Generally, you won’t need to file a liability claim as the medical expenses are usually covered.
Personal Liability.
Risk Factor……………
In the unfortunate event that someone falls or slips on your property, resulting in any injuries, your family may be held liable.
Solution……………
If you are deemed negligent and damages or injuries occur to a third party where you may be held responsible, you should consider purchasing an excess liability or personal umbrella policy to protect your assets and provide additional coverage limits. Your homeowners policy includes personal liability coverage to respond to incidents where damages or injuries occur.
Miscellaneous Coverage.
Risk Factor……………
The fun that comes with having a trampoline in your backyard can also be accompanied by significant dangers, which may not be included in your regular homeowners insurance policy due to variations in coverage between states and insurance companies.
Solution……………
To ensure that your homeowners insurance policy covers the item and liability trampoline, you should refuse insurance providers who do not offer such coverage.
Personal Harm / Slander.
Risk Factor……………
In a legal case, the guardian can face exposure and someone’s standing can be harmed, either directly or indirectly, through the utilization of social networking platforms and other websites. Typically, adolescents are highly engaged on the internet.
Solution……………
You may need to seek additional coverage for personal injury or defamation protection that includes liability coverage. Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it is unlikely to cover reputation damage from statements or rumors.
Umbrella / Surplus Liability Insurance
Risk Factor……………
Do you have enough money saved to cover your legal costs and responsibilities? After a long legal battle, your family and you are financially responsible for their injuries, so they hire a lawyer to represent them. One of your party guests dives into the shallow end of the pool, permanently injuring themselves, and now you invite guests over for a pool party.
Solution……………
Excess liability insurance is available as a separate coverage or as an endorsement to your homeowners policy, providing additional security and financial value. It increases the personal liability limits of your current homeowners or auto insurance policies, as well as adding protection above and beyond.
Flood Coverage.
Risk Factor……………
You do not have to live near a body of water to suffer from flood damage. With the changing weather patterns and increasing occurrence of damaging storms around the globe, losses from flood damage are becoming more common in places that are normally not prone to such risks. Your homeowners policy does not cover damage from floods, so there is a risk of suffering from flood damage at your home.
Solution……………
Purchase a flood insurance policy to protect your home and contents from certain types of flood losses, as designated by the National Flood Insurance Program (NFIP), also known as your own carrier’s write a carrier.
Secondary Home.
Risk Factor……………
Having a second home has the potential to enhance your liability risks.
Solution……………
Ensure that you include your secondary home in an excess liability or umbrella policy to increase liability limits. Additionally, it is important to extend the liability coverage of your homeowners policy to include your secondary home. Make sure to be thorough in these steps.
Collector Cars.
Risk Factor……………
Collector or classic vehicles, despite being stored on your property, are typically not covered under your homeowners insurance, as they hold significant value. To ensure adequate protection, it is necessary to obtain unique insurance coverage and special documentation for these vehicles.
Solution……………
Insure your collector cars with a specialized insurance company that understands and focuses on unique vehicles, such as classic cars or other collector cars.
Wine Collection.
Risk Factor……………
Additionally, a deductible may be applicable. Nevertheless, the harm is only eligible for insurance coverage if it is a designated cause of loss as specified in your homeowners insurance policy. In the event that the collection suffers damage, you may seek compensation through your homeowners insurance policy. If you have an appreciation for wine, you are aware that it is vulnerable to external environmental factors that have the potential to spoil it.
Solution……………
If you have a sizable wine collection, you may want to consider scheduling it on your homeowners policy. By doing so, you eliminate the deductible in case of a loss and expand your coverage. Additionally, you can also consider unique coverages for wine, such as coverage for spoilage.
Water Damage.
Risk Factor……………
Many insurance policies exclude losses caused by the most common cause of damage to a home, which is water damage to the plumbing system or a flood within the home.
Solution……………
Initially, it is important to identify cost-effective measures to mitigate the risk of flood damage. It is advisable to have backup systems for sewers and drains, along with insurance coverage options, in order to safeguard your property and possessions from any type of water-related harm. A thorough and meticulous evaluation is crucial in this regard.
Off-Premises Theft.
Risk Factor……………
Interestingly, regular car insurance does not include coverage for personal belongings or items stolen from your vehicle.
Solution……………
The endorsement called off-premises theft coverage, which is available as an option in most homeowners policies, provides protection for the theft of your personal belongings outside of your residence.
Home Insurance 101
Ensure that you address the distinct dangers you encounter with homeowners insurance.