Local Insurance Agency in Bremerton, WA

6 Benefits of Working with a Local Insurance Agency

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Local Insurance Agency in Bremerton, WAA local insurance agent listens to your needs then finds a customized insurance policy that fits those needs. When looking for insurance, consider your local, independent insurance agents in Bremerton. We do more than just provide you with a great insurance policy. Because we live in a “need it now” society, instant quotes for auto insurance, home insurance and more seem attractive. However, these instant quotes don’t guarantee you are getting the best insurance rates and coverage for your situation. Here are some ways a local insurance agent can help you:

Professional Advice

Not sure how much coverage you need to protect your home or confused about what line of insurance you need to protect your small business? Local insurance agents not only want what’s best for you but we’ll provide our professional guidance as well. We’ll listen to your needs, strive to not only educate you on what you are and aren’t covered for, but also counsel you on what insurance company best fits you. Because we represent multiple insurance companies, you get choice.

Did you insurance increase? We can help.

If you have insurance through a direct carrier and you notice your car insurance increases by $300 the following year, you might be thinking it’s time to change carriers.  While your insurance may increase with a local insurance agent, all you have to do is reach out to your agent via email or phone. We’ll shop our many insurance carriers to find the best coverage for your needs & budget. Our agency works to save you time and money by working with pre-selected insurance companies and acting on your behalf to fit you into the right insurance program.

Guidance with how to deal with a claim.

Being involved in an insurance claim can be a hassle, but we can assist you throughout the entire process to make it easier on you. By simply calling us, you’ll quickly learn how to settle your claim and be made whole again.

Build a Relationship

Just like you have built trust with your doctor or dentist, we want the same type of relationship with helping you with your insurance. We strive to build that same trust when it comes to needing insurance guidance or saving you time & money. To us, you’re not just a customer, you’re a valued client who needs to be properly protected.

You Have Questions, We Have Answers

Your lifestyle and needs change over time and we are here to assist you with all of life’s changes. Whether you’re looking to start a business, going from renting to owning a home or needing to insure your new classic car vehicle, we are here to help with all your insurance needs.

We Can Do It All

Since we offer many lines of insurance, we can cover all your needs. Plus, when you bundle insurance policies, it may qualify you to save additional money. Get your home, car, boat and business insurance all under one roof to make it easy for you.

If you are looking to find a local insurance agent in Bremerton, WA for your auto, home or business insurance, call H&K Insurance. We look forward to earning your business and will strive to create a lasting relationship.

For all current clients who know a friend or family member who would benefit from working with a local insurance agency, simply refer a friend here.

Liability insurance in Bremerton, WA

Swimming Pool Liability

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Liability insurance in Bremerton, WAHaving a swimming pool on your property is a luxury and takes a lot of maintenance, but oh is it worth it on a hot summer day! If you have kids, the swimming pool seems to be their favorite hangout place with their friends. While owing a swimming pool can be a fun experience if you’re willing to maintain it, it also carries a unique insurance liability risk.

Swimming pools carry many risks of injury. To limit your exposure setting strict rules around the pool for safety can greatly reduce the chances of injury occurring. Follow these safety tips when and around a pool:

  1. Supervision – children should never be left unattended around a swimming pool. If your children and friends want to use the pool require an adult be present at all times. If your children’s friends are wanting to use the pool and you can’t watch, ask another parent to supervise.
  2. Require walking – Water and concrete is slippery. Reduce the chances of a slip and fall injury by making sure everyone around the pool walks and doesn’t run.
  3. No Glass Around Pool Rule – Glass can fall into the pool or around the deck and make for a dangerous situation.
  4. Regularly Inspect – inspect the items used in and around a pool like the diving board, slide or flotation equipment.
  5. Fence & Lock the Pool – Most insurance companies will require a fence of at least four feet be present around a pool.
  6. Teach your children how to swim and pool safety – prevention is key. Teaching your kids how to swim as well as to avoid things in pools and spas like drains can reduce the risk.
  7. Install an alarm – You can install an alarm that detects when someone enters the pool.
  8. Protect your pets – Animals are attracted to water, especially on a hot day. Keep your pool area secured from pets when you’re not using it to ensure they don’t fall in.

Pools and spas are a lot of fun! By following proper safety precautions you can have a lot of great memories and your kids can have a lot of fun! Enjoy your pools responsibly. If you have questions on pool requirements for insurance purposes, we have answers. Our licensed agents can help ensure your property is insurable and that you are properly covered in the event you have a claim.

H&K Agency Inc. is a no-fee independent insurance agent specializing in property and vehicle insurance designed to fit your needs. We represent a variety of top insurance companies in Washington State who offer terrific coverage at the best prices.  Our services are available throughout Port Orchard WA, Bremerton WA, Silverdale WA, and the surrounding areas. For all of your personal insurance needs, give our knowledgeable agents a call at (360) 377-7645.

Camper Trailer Insurance in Bremerton, WA

6 Ways to Prep Your Camper Trailer for Summer Use

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Camper Trailer Insurance in Bremerton, WAWith summer around the corner, avid campers are ready to get out and enjoy what nature has to offer. If you own a camper or trailer, it’s time to complete a quick tune up to ensure your vehicle is ready for summer use. While some people may pay to service their camper every year, it’s definitely doable to do it yourself too. Here are six areas to check when it comes to prepping your camper for summer use.

  • Service your axle and hubs – One of the most common things you see with camper trailers is someone on the side of the road missing their entire wheel! Grease in the hubs can dry out and if your bearings fail, the entire wheel can come off! This is a dangerous and scary situation. This can be avoided by having your bearings repacked by your local tire shop.
  • Inspect tires – Most camper trailers sit most of the year unused. Because they sit, the tires develop flat spots and cracks that can be dangerous. Inspect your camper tires for cracks as well as any flat spots. Flat spots can be avoided by using special tire savers. They’re widely available for under $100.
  • Check for mold – If your camper is stored outside or if you put it away when it was wet, you may have some mold to deal with. Fortunately, getting rid of mold in campers is easy if it is just on the surface. More extensive mold issues may require a professional. If you have some surface mold, use a water and bleach solution to spray on and kill the mold. Be careful to not spray surfaces that may be discolored such as upholstery. Check along the bottom of your walls, behind curtains, under the sink or inside cabinets too for dampness. If you find it, leave a fan running over night in the camper while it is open to get circulation through the camper and dry it out.
  • Inspect & test your lights – Before you hit the road, always check your lights for functionality. This should be done every time, not just at the beginning of the season.
  • Check propane for leaks- Your propane system can become damaged by rodents or simply by your lines drying out or becoming bent. Your best detection for a propane leak is your nose and ears. Also, if you suspect a leak, use a soapy water solution to check your lines if you see any bubbles form from damage or suspected leak. All campers should be equipped with a propane detector for safety. If you suspect a leak, contact your local dealer to fix the issue or unplug your propane until you have time to get it fixed.
  • Flush your water system- If you’ve winterized your camper, be sure to flush your potable water system well. The antifreeze in your water lines should be the non-toxic variety using propylene glycol. Regardless, flush the system well and dispose of the antifreeze in a manner consistent with federal and state regulations – not in a drain or stream.

If you are looking for a policy review on your camper, be sure to reach out to H&K Insurance. A RV policy review allows us to ensure you are getting the best coverage at the best price. We also can add additional coverage if you need it. Contact us today.