What is an Umbrella anyway?

It’s interesting to learn that most people either don’t know what an Umbrella is, or think it covers things that it does not. An Umbrella is additional liability coverage over your existing home and auto policies. Liability being damage that you cause to...

I want to share a story with you…

Last year I watched a family struggle after the primary (and only) breadwinner suffered a sudden and fatal heart attack and passed away. His wife, who has been totally dependent upon him, was left with no income, she had no driver’s license, she couldn’t even drive...

Now is the time to insure your Summer time toys!

Whether it’s Boats, Motorcycles, RV’s, ATV’s, or Classic Cars, we have you covered! Watercraft *Agreed value *Captains package: includes coverage for your personal effects, on-land road side assistance for trailer break down *On water towing...

What is an H S A and why should I have one?

An H S A (Health Savings Account) is simply your own bank account that is ear marked for money that will be “tax free” and used only for health related expenses. To have an H S A, you must have an H S A ELIGIBLE High Deductible Health plan (HDHP). Not every high...

INSURANCE CLAIMS 101:

You hope you don’t have to file one, but if you do, there can be more than meets the eye. When people ask me if a “hypothetical” claims scenario would be covered, the answer will almost always be “maybe”.  And that is because that is the...

Why work with an independent agent?

First of all, what is an independent agent?  There are really 2 types of insurance agents; 1) a captive agent, who is an employee of, and only generally sells for one company. (State Farm, Country, All State, Farmers, American Family) And 2) an independent agent who...

Rental Car Insurance… Am I covered?

Your personal auto insurance will cover you to drive a rental car (in the US).  If you have comprehensive and collision, that will also cover physical damage you might cause to a rental car.  If you buy the rental car coverage, that gives you the ability to hand the...

JUNIPER INSURANCE 5TH ANNIVERSARY

  Time flies when you’re having fun!  July 2016 marked the 5-year Anniversary for Juniper Insurance.  There have certainly been some changes over the last 5 years, but one thing remains the same, the wonderful group of clients I have.  This business has...

HOUSE FIRE! Are you prepared for a total loss?

“Their house is on fire!!” While my extended family and I were playing a friendly, yet competitive game of Cornhole in the back yard of a house in Tumalo on July 3rd, my future brother in law, Ken, yells “Their house is on fire!!” Of course...