How to Find Affordable Trailer Home Insurance

by jasong April 21, 2022

How to Find the Best Trailer Home Insurance

You will find that insurance for your mobile home, also known as manufactured home insurance, is quite similar to a standard homeowners insurance policy. It provides financial protection for when your home is damaged. Although not required by law, mortgage companies and mobile home communities could mandate that homeowners purchase this coverage.

The vast majority of policies for mobile or trailer home insurance usually protect your home and personal belongings. They also offer liability coverage. You can expect prices to vary, which is why it is wise to secure several quotes and compare them in order to obtain affordable trailer home insurance.

Finding Affordable Trailer Home Insurance

Because many insurance companies typically do not offer quotes online, finding trailer home insurance quotes can be difficult. Some well-known insurance companies require homeowners to talk with a representative in order to obtain a trailer home insurance quote.

The primary criteria for determining the cost of trailer home insurance are your home area, your age, and coverage limits. It is worth noting that the most effective way to obtain affordable trailer home insurance is by comparing quotes. If you run into problems securing these quotes, think about reaching out to an independent agent in your city.

What Trailer Home Insurance Covers

In general, a trailer home insurance policy will provide coverage for your home and property that includes the following:

Mobile home
Attached patio and/or deck
Storage shed or garage
Cooking appliances
Personal possessions
Clothing
Entertainment equipment

Here are the primary coverages provided by homeowners insurance for trailer homes:

Dwelling Coverage

You can tap into this coverage to pay to rebuild or repair the physical structure of your home if it sustains damage by a covered peril. An example would be a fire causing a wall in your trailer home to collapse. This is covered by your dwelling coverage. Other structures included in dwelling coverage are a roof and a deck that is attached to your trailer home.

Liability Protection

If a person is injured on your property, liability coverage protects you. So, if a neighbor is struck by a falling tree branch on your property, you may be held liable. By having liability coverage, your insurance company would cover legal defense fees and could pay damages if it is determined that you are liable. Be aware that your insurance company would offer financial protection only up to your coverage limit.

Personal Property

Trailer home insurance gives you protection for your personal belongings. This applies if they are stolen or damaged. If a burglar comes into your trailer home and steals your stereo equipment, you would be covered. However, you must pay a deductible in order to make a claim.

Other Structures

As noted above, trailer home insurance policies will usually include coverage for permanent structures that are not permanently attached to your home. Examples are a garage or a tool shed.

Additional Living Expenses

If you are not able to reside in your home because of a covered loss, this coverage gives you compensation for additional expenses during the time you are living elsewhere. So, if a fire occurs in your trailer home, your insurance company will pay for the cost of a hotel, up to your coverage limit.

Additional Endorsements

Trailer home insurance companies permit policyholders to customize their policies through endorsements, and these endorsements supplement a standard policy. Endorsements give you coverage that does not come standard with a homeowners insurance policy. Examples are debris removal and water damage from sewers.

You might find it helpful to consider purchasing these following endorsements for additional protection:

Trip collision — Protection for use when moving your trailer home to another permanent location.

Emergency removal —Moving your trailer home if an oncoming disaster, such as a hurricane or fire, threatens your home and safety. This policy pays for you to move to another location.

Fire department charges — This policy offers reimbursement for charges incurred if your trailer home is located in an area that is not serviced by a fire department.

Worldwide coverage — Protection for your personal belongings if they are lost, stolen or damaged when traveling to another permanent location.

Graybeal Group, Inc. Offers Widest Selection of Insurance Plans for the Best Price in Oregon and Washington

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop/Agriculture insurance, Hemp insurance, Non-Profits insurance, Pasture Rangeland and Forage insurance, and Farm & Ranch insurance.

Being able to provide the time for our agents to focus on their specialty allows us to give you – our clients – the needed coverage for your home and business. At Graybeal Group, Inc., we are committed to providing an experience that empowers our clients so they are educated on their coverage and the value we provide above all others.

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

What is Crop Insurance and What all Does it Cover?

by jasong April 7, 2022

What is Crop Insurance?

Crop insurance has existed for longer than a century, dating back to 1880, when private insurance companies first sold policies to protect farmers against the harsh effects of hailstorms. Crop insurance is bought by agricultural producers, including farmers, ranchers and growers to protect against the loss of crops as a result of natural disasters, or the loss of revenue due to reductions in the prices of agricultural commodities.

There are three types of crop insurance. They are multiple peril crop insurance (MPCI), crop revenue insurance and crop-hail insurance.

Multiple Peril Crop Insurance (MPCI)

MPCI covers crop losses that include lower yields that are brought on by natural events such as the following:

Disease
Drought
Severe weather — frost, hail, damaging winds
Flooding
Fire
Insect damage

A major advantage of MPCI is that it is federally supported and regulated. It is also sold and serviced by private-sector crop insurance companies and agents.

This type of crop insurance is extremely popular among farmers. In fact, more than.90 percent of farmers who purchase crop insurance choose MPCI. The expense of insurance and the dollar amount the insurer pays for losses are tied to the value of their specific crop. MPCI can be used to protect in excess of 120 various crops. However, not all crops are covered in every geographic region.

You are required to buy MPCI policies each growing season by deadlines set forth by the federal government, and prior to crops being planted. The good news is that if damage to crops occurs sufficiently early in the growing season, the policy may include incentives to replant, or you may face penalties for not doing so.

Crop-Hail Insurance

Depending on what part of the country you have your farm, hail maybe a frequently occurring event. If that is the case, it makes sense to purchase a crop-hail policy to protect your high-yielding crops. These crop-hail insurance policies are sold by private insurers and regulated by state insurance departments. They are not associated with the Federal Crop Insurance Program.

It is quite common for farmers to buy crop-hail coverage as a supplement to MPCI. A benefit of crop-hail policies is that they typically have a low or even no deductible. As opposed to drought and blight, hail usually completely destroys certain segments of crops in one area of a farm, but leaves other crops undamaged.

A hail claim can be less than the amount of the deductible on an MPCI policy.

Because of its limitations, crop-hail insurance is bought considerably less often than MPCI. In contrast to MPCI, you are able to purchase crop-hail insurance at any point during the growing season.

Crop Revenue Insurance

Farmers have the option to buy crop revenue insurance, which assists farmers during years when crops produce a low yield and/or the price of the crop is low. How much an insurer will pay represents how much lower a year’s revenues are compared to previous years’ earnings.

The goal of crop revenue insurance is to help farmers protect their earnings against extreme volatility in crop prices, no matter what the cause.

2014 Farm Bill: The 2014 Farm Bill significantly strengthened crop insurance by adding some new products and requiring numerous program revisions that help make crop insurance the main component of the farm safety net.

Why Farmers Purchase Crop Insurance?

The crop insurance company or approved insurance provider (AIP) agrees to compensate, or protect, the insured farmer, rancher or grower against losses that happen during the crop year. Losses are covered if they occur as a result of things that are unavoidable or beyond the insured’s control. Examples are a freeze, drought or disease.

There are some policies that provide coverage as a result of adverse weather events like the inability to plant because of excess moisture or losses due to the quality of the crop.

For the vast majority of cases, insurance covers loss of yield or revenue exceeding a deductible amount. Farmers, ranchers and growers might experience a loss of revenue because of low production and/or changes in the market price. The types of coverage available will differ by crop and county related to the differences in each crop.

Look to Graybeal Group, Inc. for Quality Crop Insurance Policies

We invite you to inquire with a licensed agent at Graybeal Group, Inc. when you are interested in purchasing crop insurance. Our insurance experts will discuss the available crop insurance policies and determine which one fits your unique needs the best.

Graybeal Group, Inc. Offers Widest Selection of Insurance Plans for the Best Price in Oregon and Washington

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

What are Oregon Motorcycle Insurance Laws?

by jasong March 21, 2022

Oregon Insurance Laws

If you ride a motorcycle in the state of Oregon, it is helpful to be aware of Oregon motorcycle insurance laws. For example, in Oregon it is a requirement that motorcyclists carry motorcycle insurance.

This ensures that all riders will continue to be financially responsible in the event of an accident.

Oregon Motorcycle Insurance Requirements

According to Oregon motorcycle insurance laws, all motorcycle riders are mandated to have liability insurance to assist in covering costs having to do with property damage or bodily injuries that you might cause to other drivers in which you are found at fault.

Your motorcycle insurance policy is required to include the following minimum coverage limits per accident:

$25,000/person

$50,000/crash: bodily injury to another driver

$20,000/crash: property damage to another party

$25,000/person and $50,000 per crash of Uninsured Motorist Coverage

You have the option of also purchasing more types of coverage, as well. For instance, you can buy coverage that covers a rental car. You may choose to have higher amounts of coverage. This is especially the case if you have assets to protect.

No Fault Insurance

Oregon is a “no-fault” state, as are several other states in the country. While other drivers must carry personal injury protection coverage, or PIP, this does not apply to motorcycle riders.

Motorcycle Helmet Requirements and Insurance

Although all motorcyclists must by law wear a helmet, that does not affect their insurance rates, according to Oregon motorcycle insurance laws.

Proof of Insurance and Financial Responsibility

The state of Oregon allows motorcyclists a few different methods to prove they are insured. While riding your motorcycle, you need to have one of the following:

Actual insurance policy

Actual insurance card provided by your motorcycle insurance agent or company

Officially signed letter from the insurance agent, stating that you are insured and what your policy number, license plate, and name is

If you are a dealer, you must provide either:

An Oregon auto dealer license plate

A DMV Certificate of Self Insurance

Penalties for Not Having Motorcycle Insurance in Oregon

If you do not possess motorcycle insurance and you have an accident, or are pulled over for a traffic citation, this could result in the following:

The necessity of filing an SR-22 certificate proving your financial responsibility with the DMV for the next three years

License suspension

Fines and penalties

Random Insurance Checks

You must always have physical proof of insurance. Additionally, the DMV randomly selects names out of a hat to check on whether motorcyclists are insured. You could receive a letter requesting that you provide your motorcycle insurance policy number and company name. Then the DMV calls the insurance company and asks if you are indeed insured.

If you decline to respond to the letter, your license will be suspended. This is a good reason to let the DMV know about a change of address.

Get Your Motorcycle Insurance with Graybeal Group, Inc.

Our insurance experts at Graybeal Group will make the insurance process simple and hassle-free for you so you can get the best motorcycle coverage that fits your specific needs and personal lifestyle.
To get started on your quote, call our office or visit our quotes page!

Graybeal Group, Inc. Offers Widest Selection of Insurance Plans for the Best Price in Oregon and Washington

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

Do I Need Traveler Trailer Insurance?

by jasong March 7, 2022

Do I Have to Have Traveler Trailer Insurance?

If you own a recreational vehicle or are thinking of buying one, the idea of cruising down the open road on a beautiful day is probably very appealing. But then the thought of something horrible happening, like crashing your vehicle, could spoil that positive image of enjoying your RV. You might be asking yourself, should I have traveler trailer insurance?

What is traveler trailer insurance? Traveler trailer insurance is very similar to automobile insurance, but it is more comprehensive and specialized to offer protection for the following vehicles:

Fifth-wheels
Stationary Travel Trailers
Pop-Up Campers
Park Model Travel Trailers
Truck-mounted Campers

Coverage for your recreational vehicle is required, like auto insurance. In fact, many states mandate uninsured or underinsured coverage, and every state requires minimum liability coverage if the vehicle is driven on the road.

The specifics of your travel trailer insurance policy will vary somewhat depending on what state you live in.

You should know that minimum liability limits might not be enough for your situation. It is a good idea to have sufficient coverage to protect your assets in a serious accident or lawsuit.

Standard Coverages for Motorhomes & Recreational Vehicles

Basic Coverages for Motorhomes and Recreational Vehicles include:

Property Damage Liability

Property damage liability helps to pay for damages to another person’s vehicle or property you may become legally liable for in the event of an accident.

Bodily Injury Liability

Bodily injury liability coverage will pay for bodily injury damages that you may become legally liable for if an accident occurs. This includes paying for an injured party’s medical expenses, and loss of income, up to your coverage limit.

Uninsured/Underinsured Motorists Coverage

This particular traveler trailer insurance reimburses you for injuries or damages – up to your coverage limits – that was caused by a driver who does not have sufficient or any liability insurance.

Medical Payments

Medical payments assist in paying medical expenses for you, in addition to your family household members and your passengers as a result of accidental bodily injury while occupying your RV, no matter who is at fault.

Collision

Collision pays for damage to your RV if you collide into another vehicle or object, or if another vehicle hits you, or your RV rolls over.

Comprehensive

Comprehensive provides coverage for loss to your RV not caused by a collision, such as damage caused by contact with falling objects, animals, vandalism, theft, fire, or hail.

Coverages for Motorhomes & RVs

Safety Glass Replacement: This traveler trailer insurance provides coverage for the repair or replacement of the RV windshield.

Custom Equipment: This insurance includes coverage for aftermarket parts and equipment that were not originally installed by the manufacturer.

Vacation Liability: This provides liability coverage for bodily injury and property damage while your RV is being used as a temporary residence.

Roadside Assistance: This traveler trailer insurance provides towing to the location of your choice, up to 100 miles from the location where your vehicle is disabled. Additionally, this coverage gives you emergency roadside services, which includes extraction – if you are stuck on or within 100 feet of a road or highway – delivery of supplies – including oil, water and other fluids – battery service, changing or inflating of flat tires, lockout service and fuel.

Awning Replacement: This provides coverage to replace an awning destroyed in a covered loss with a brand-new awning.

Full Timers Package: This traveler trailer insurance provides protection if you use your RV as a permanent residence and do not own or reside in another dwelling.

Physical Damage Settlement Options: This will include first, the vehicle’s actual cash value, and second, the agreed value shown on the policy or, the total replacement cost, which would replace your RV with a new one in the event of a total loss during the first five model years.

Look to Graybeal Group, Inc. for Acquiring Premium Quality Traveler Trailer Insurance

Turn to the insurance experts at Graybeal Group, Inc. for guidance and advice to help you acquire the prefect insurance for your recreational vehicle. Our agents will make sure you are educated on your insurance policy and that you understand every aspect of it.

Let Graybeal Group, Inc. help you select the right coverage for your RV needs and get a great price at the same time. Graybeal Group, Inc. is locally operated to handle your insurance needs. We offer affordable and reliable insurance choices from multiple insurance companies.

To get started on your quote, call our office or click over to our quotes page.

We will make the process simple!

Graybeal Group, Inc. Offers Widest Selection of Insurance Plans for the Best Price in Oregon and Washington

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

What are Washington State Motorcycle Insurance Laws?

by jasong February 23, 2022

Washington State Motorcycle Insurance Laws

If you drive a motorcycle in this state, you might be wondering what the Washington motorcycle insurance laws are. What coverage for your motorcycle should you have?

When it comes to Washington motorcycle laws, you should be aware of the fact that the Washington State Legislature on July 28, 2019, passed a law that requires all motorcycle drivers to carry liability coverage and proof they have insurance. Previously, motorcycle drivers were exempt from Washington State’s mandatory auto insurance law.

As of 2019, motorcyclists are now mandated to carry a minimum of $25,000 in liability coverage.

Motorcyclists have to comply with state laws for carrying enough liability insurance that can also cover other parties who could be injured in a serious motorcycle accident. There are severe penalties for failure to obey with Washington State’s insurance requirements for motorcycle drivers.

Washington State’s Mandatory Auto & Motorcycle Insurance Law

All people who drive a motor vehicle or motorcycle, as of July 28, 2019, in Washington State are required to obtain one of the following options:

Carry liability insurance with liability limits of at least:
- $25,000 for injuries or death to another person
- $50,000 for injuries or death to all other people
- $10,000 for damage to another person’s property
Apply for a certificate of deposit to pay for your liability insurance with the Department of Licensing.
Have a liability bond of at least $60,000 filed by a surety bond company that is authorized to do business in Washington State.
Self-insure if you have 26 or more vehicles.

You will find that $25,000 does not cover much when it comes to adequate coverage in the event of a motorcycle accident when there are major injuries to the rider or passenger. If you experience a serious accident, approximately 50 percent of that $25,000 may be used to pay for the initial ambulance ride and a medical stay in the emergency room. That is why it is essential that motorcyclists understand the risks and think about purchasing higher policy limits.

It’s worth noting that liability coverage just provides coverage to other people if you are responsible for causing an accident that leads to bodily injury or property damage. Another option you have is buying Personal Injury Protection (PIP) coverage, which will cover your medical expenses, as well as your lost earnings after an accident.

Proof of Your Motorcycle Insurance

In order to be in compliance with Washington motorcycle laws, all motorcyclists are required to carry proof of insurance – possession of your insurance card – at all times while riding your motorcycle. So, in the event of an accident, you will be able to provide to authorities, and other parties involved in the incident, your complete insurance information.

Usually, proof of insurance cards are sent to policyholders by their insurance company. You could also download copies of these insurance cards and print them out and save them onto your smartphone or other devices.

Motorcycle Endorsements in Washington State

In accordance with Washington motorcycle laws, having a motorcycle endorsement is mandatory for all motorcycle drivers in Washington State. This endorsement shows that the motorcycle rider possesses the minimal skills and knowledge regarding safe motorcycle operation. Back in 2007, Washington State modified its vehicle code to permit law enforcement officers to impound motorcycles of drivers who were not endorsed.

This adjustment was included into the Washington motorcycle laws in order to require riders to obtain their endorsements, in addition to penalize the drivers who are unendorsed.

Two methods for motorcyclists to secure their endorsement:

Pass the knowledge and riding skills test at an approved motorcycle training school. After you have achieved this, you can apply for an instruction permit. Once you pass the knowledge and riding test, you are able to bring with you your score sheet to any driver licensing office within a year of passing the test to obtain your motorcycle endorsement.
Complete and pass a motorcycle safety course at an approved motorcycle training school.

It is true that motorcyclists do have a greater number of strict regulations to adhere to than other drivers. Those regulations include use of legally-approved helmets, required eye protection, motorcycle endorsement, maximum volume, maximum handle height, and random, occasional safety inspections.

Get Your Motorcycle Insurance with Graybeal Group, Inc.

Graybeal Group, Inc. Offers Widest Selection of Insurance Plans for the Best Price in Oregon and Washington

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop insurance, Hemp insurance, Nonprofits insurance, Pasture Rangeland and Forage insurance, and Farm & Agriculture insurance.

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

Should I Get Snowmobile Insurance Coverage?

by jasong February 8, 2022

Is Snowmobile Insurance Coverage important?

As it is now the middle of winter, you might be inspired to get out your snowmobile to enjoy all the snow outside. For many of us, this is a favorite pastime in the Tri-Cities.
As it is now the middle of winter, it is very likely snow is blanketing our yards and houses. As we know well, snowfall is a common occurrence in the wintertime in the Tri-Cities. So some of us might take to getting on our snowmobiles to enjoy a favorite past-time this juncture of year. But that might lead us to the question, should I get snowmobile insurance coverage?

Just as we can easily experience an accident on the roads in our cars, snowmobiles can operate at high speeds, and are also prone to accidents. You can also run into the problem of theft when it comes to your snowmobile.

However, snowmobile insurance is not just good for accident coverage, but it can also protect against damages and theft.

Why You Should Have Snowmobile Insurance Coverage

Snowmobile insurance will likely provide coverage for personal injury, damages to the snowmobile, in addition to your legal liability if you are proven to be responsible for another person’s injuries or property damage.

Snowmobile insurance coverage may protect you from financial hardship if you are sued for causing injury to another person. It can also spare you from worse financial troubles in the event you need to repair or replace your snowmobile. It is an expensive proposition to purchase parts or replace your snowmobile and adequate insurance coverage will enable you to handle these unexpected events, such as accidents, and stay above water financially.

When it comes to snowmobile insurance, you can purchase specific coverage for your sled like liability only coverage. You also have the option of buying a package of coverage. For the most part, snowmobile insurance coverage will include the following:

Comprehensive
Collision
Bodily injury liability
Property damage liability

Based on the insurance company you choose, other insurance options that you could purchase for your snowmobile might include:

Accessory coverage for such things as windshields, helmets, riding gear, custom seats, and eyewear
Uninsured and underinsured driver coverage for bodily injury and property damage, if it is found another person caused harm to you or damage to your snowmobile and the other person does not have insurance to pay for damages
Coverage for after-market parts and accessories
Year-round coverage if your snowmobile is damaged or stolen during the off-season
Additional collision coverage
Towed trailer and transport trailer coverage
Increased liability limits to cover the expense of a liability claim or lawsuit

How Much Snowmobile Coverage Recommended?

The amount of insurance coverage for your snowmobile will vary depending on your personal situation, which includes the value of your sled, and how frequently you ride your snowmobile.

Within the industry, insurance agents suggest you purchase at least liability coverage. Keep in mind that the state you live in might require you to have minimum liability limits in order for you to operate your snowmobile.

If you tend to ride your sled often, and you own a newer or more expensive model, you should seriously consider collision and comprehensive coverage. If you want to be completely or fully covered, you may want to buy optional trailer insurance, coverage for accessories and after-market upgrades, as well as coverage without a “lay-up period, which is an off-season period when you might not have coverage.

Will My Snowmobile Insurance Cover Passengers?

There are some snowmobile insurance policies that will include passengers in their coverage plans, but most do not unless you specifically purchase that coverage. You may want to inquire with your insurance agent how you can cover passengers on your snowmobile for injuries and medical expenses.

If you don’t already have passengers covered through your insurance, be sure you are able to add snowmobile passenger insurance as an option and that you have sufficient liability insurance, too.

Look to Graybeal Group, Inc. for Quality Snowmobile Insurance Coverage

We have experienced and highly skilled agents at the Graybeal Group to set you up with the perfect insurance policy for your snowmobile that will ensure you and your passengers are adequately covered.

Our licensed agents will make sure that your snowmobile is covered for all possible contingencies so you don’t have to worry if you experience an accident or a theft of your sled. Trust our agents to always serve your best interest when it comes to snowmobile insurance coverage.

Graybeal Group, Inc. Offers Widest Selection of Insurance Plans for the Best Price in Oregon and Washington

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop/Agriculture Insurance, Hemp Insurance, Non-Profits Insurance, Pasture Rangeland and Forage Insurance, and Farm & Ranch Insurance.

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

What Types of Church Insurance Does a Church Need?

by jasong January 28, 2022

What Types of Church Insurance Are There?

Because a church is a sacred place of worship and prayers, we might think it is immune from secular activities such as litigious actions that include lawsuits and church insurance. After all, a church sanctuary is seen as a holy place where people hope for the best in humanity, not a place to take out different types of church insurance policies.

But church insurance is a fact of life in a litigious society. Churches are just as susceptible to being the recipient of legal action as any business or organization. That is why it is necessary to consider what types of church insurance your church should carry to protect itself from legal threats.

Whether your ministry is comprised of one small church or is made up of multiple property locations with many employees, church insurance is vital to shield your place of worship from legal actions.

Types of Insurance That a Church Should Have

General Liability Insurance

Any church could find itself vulnerable to a lawsuit by a member or a guest. That is why general liability insurance is important church insurance to have.

This type of church insurance encompasses two parts: if a person claims they were injured and if someone asserts their property was damaged. This insurance policy typically covers the defense costs for litigation, in addition to the damages for an injured party. It is recommended that churches carry $1 million for general liability insurance.

Business Property Insurance

Insurance of this type will cover eventualities such as fire or wind that may cause damage. You will also be protected in the event of theft or a natural disaster. This insurance will cover property such as furnishings, buildings, and landscaping. It will also cover the items inside the church, such as damaged musical instruments or pews, for example.

Property insurance will also include auto insurance coverage. So, for instance, if your church has a van or a bus, then property insurance would offer coverage for any damages that could occur to the vehicle, as well as for anyone who was injured.

Employment Practices Liability Insurance

If your church ever experiences a wrongful termination or discrimination lawsuit, then Employment Liability Insurance would protect your church. Your church could also be subject to other claims involving age or gender discrimination, which is also covered by this insurance.

Worker’s Compensation Insurance

This church insurance is useful as it also covers the members of the leadership at the church, even if they are not employed by the church. In fact, worker’s compensation will cover 100 percent of the medical expenses for an employee who is injured on the job because of a job-related activity.

You will find that various states operate differently when it comes to determining the percentages as applied to compensating for lost wages. The portion that covers an employer’s liability policy is for any negligent acts that occurred as a result of an injury to an employee.

You’re encouraged to talk with your insurance agent to obtain details about how this church insurance could benefit your church in Washington State.

Coverage for Special Events

This is another type of church insurance that is recommended if your church’s existing policy does not include coverage for special events. These special events could include holiday celebrations, back-to-school festivities, vacation Bible school activities, etc.

The location of the special event is relevant when it comes to this insurance. For example, if your event is being held off-site, your church will need a separate policy for special events to provide adequate coverage.

Mission Insurance

This type of church insurance will protect you in the event of an emergency that takes place while on a mission trip. This pertains to medical coverage, kidnapping, and other liabilities that could happen during a church mission.

If your church mission trip takes place outside the U.S., you might consider having a separate policy. For example, there is the option of securing worldwide liability coverage. That provides insurance for church missionaries in foreign countries.

This specific church insurance also provides for insurance against extortion and ransom. You will require this insurance in order to offer your church missionaries reimbursement from losses.

Professional Practices Liability Insurance

This church insurance protects your church from claims that could stem from any pastoral direction or counseling. Pastors have been accused of emotional or physical harm. The good news is that pastors and counselors are covered under professional practices liability insurance tied with your church insurance policy.

It is recommended that insurance limits be equal to the general liability limits that your church has.

Look to the Graybeal Group for Church Coverage

Church insurance can be hard to find because not all insurance companies offer coverage for churches. Luckily, Graybeal Group, Inc. has access to a wide range of insurance for churches and other religious organizations.

Having the right coverage is key to avoiding catastrophic claims. You can count on the Graybeal Group to make the complex process of finding the right church insurance fast and easy.

Graybeal Group, Inc. Offers Widest Range of Products and Pricing in Oregon

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop/Agriculture, Hemp,
Non-Profits, Pasture Rangeland and Forage, and Farm & Ranch.

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

Tips and Tricks to Save on Your Auto Premium

by jasong January 13, 2022

auto premium reduced rate oregon washington

How to Save on your Auto Premium

When you think of purchasing a new car, your auto premium is not the first thing on your mind. You probably give more consideration to the appearance, horsepower, perhaps fuel efficiency, or you ponder buying a hybrid or all electric vehicle for environmental reasons. You might even be focusing on roominess, trunk space, and handling – all before thinking about how it may affect your auto insurance.

But that doesn’t change the fact that you will be soon faced with paying insurance on your new set of wheels. No need to worry. There are many ways to save on your auto insurance. You could potentially reap substantial savings by taking any number of steps to persuade the insurance company to lower your auto premium.

Here are some measures that you can put into place to potentially save on your auto insurance.

Tips to Save on Your Auto Insurance Premiums

Be Selective When You Choose an Auto Insurance Company

When you are deciding what car to buy, you put a lot of time and effort into choosing the automobile that will fit all your personal needs. It should be the same with selecting the company to insure your car.

When it comes to shopping around for auto insurance companies, obtain at least three quotes. Also, be aware that there are different types of insurance companies. They include:

Companies that sell through their own agents
Companies that sell through independent agents
Companies that sell directly to consumers through the phone, an app, or the Internet
Inquire with friends and co-workers, for example, during the process of identifying the auto insurance company that will best serve your needs. Seek recommendations. Be discriminating.

Pose questions to auto insurance agents and take notes. Keep in mind that you are committing to at least one year of paying auto premiums with the insurance company that you select.

Do a Comparative Analysis Before Deciding on an Auto Insurance Company

Be sure to compare auto premiums among several auto insurance companies – before you purchase that car – in order to get the best rate. If you want to save on auto insurance , then it behooves you to compare insurance costs from various companies.

It is helpful to know that there are insurance companies that are willing to provide a fair and reasonable auto insurance rate if, for example, you purchase a car that has a reputation for safety. Now is the time, before you buy your car, to do some research to find out what your car will cost to insure.

Take advantage of a helpful tool that enables you learn about the safety rankings for specific makes and models of cars – the Insurance Institute for Highway Safety’s (IIHS) online Top Safety Pick ratings tool.

Increase Your Deductible

If you want to save on auto insurance, consider raising your deductible. Your deductible is the amount of money you are responsible for paying after you file a claim and before insurance comes in to pay for your accident, theft, or another type of damage to your vehicle.

Deductibles vary from as low as $250 to as high as $1,000 or more. Keep in mind that the higher your deductible, the lower your auto premium.

You could potentially save a lot on your auto premium if you are willing to bank on the fact you are unlikely to file a claim, and, as a result, you don’t mind increasing your deductible.

Improve Your Credit Rating

That’s right. Your credit rating could matter when it comes to saving money on your auto insurance rate. Why is that? The way auto insurance companies think of it, if you have a higher credit rating, you are probably a more responsible driver and less likely to file a claim.

As a result, you might want to check your credit record periodically to make sure all of the information is accurate.

Bundle Your Insurance with same Auto Insurance Company

As a rule, insurance companies will offer a discount on auto insurance premiums if you purchase two or more types of insurance from them. For example, include auto and homeowner’s insurance with the same company.

In order to know for sure, look into various auto insurance companies to find out if they offer bundling discounts for auto premiums. Compare costs for multi-policy discounts with several auto insurance companies.

Decrease Optional Insurance on Older Vehicle

As a general rule, if your older automobile is worth less than 10 times the insurance premium, it doesn’t make sense to carry collision and/or comprehensive coverage. To begin with, find out the value of your car. Sites like Kelley Blue Book, and TrueCar will let you look up what your vehicle is worth for free.

Receive Auto Premium Discounts for Installing Anti-Theft Devices

You have the power to lower your auto insurance premium simply by installing anti-theft devices on your car. You could rake in the savings on your auto premium by anywhere from
5 percent to 25 percent, depending on the auto insurance carrier.

Inquire with your insurance company which anti-theft devices will lower your auto premiums. For example, a hidden kill switch, a steering wheel lock, and car wheel clamp are three such devices that could reduce your auto premium.

Look to Graybeal Group for an Auto Premium That Fits Your Budget

If you live in the Pacific Northwest and are looking for a car insurance comparison, Graybeal Group, Inc. makes the process of finding the best company and price easy.

We do all the heavy lifting for you!

We invite you to contact Graybeal Group, Inc. today so we can help you find a fair and reasonable auto insurance rate that will serve your needs! Call us at (541) 567-5523.

Graybeal Group, Inc. Offers Widest Range of Insurance in Oregon and Washington

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop/Agriculture, Hemp insurance, Non-Profit insurance, Pasture Rangeland and Forage Insurance, and Farm & Ranch Insurance.

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

Do I Need Business Insurance?

by jasong December 30, 2021

There is little doubt that choosing the right business insurance can be confusing and maybe even overwhelming. Your main focus areas as an owner are operating your business, engaging with customers, and managing inventory. Sorting through the different types of business insurance plans that are available might not be a priority.

But as we will point out, having business insurance will bring many tangible benefits to your company. You will absolutely be glad you had insurance coverage when you experience loss, a claim, or an accident.

In fact, business insurance could even save your business from ruin if a calamity strikes and your commercial enterprise is completely vulnerable – not being insured. And if you don’t carry the appropriate insurance, a flood, a fire, or a personal injury lawsuit could cause substantial loss to your company.

Who Should Have Business Insurance?

Any company that has property that includes electronic and high-value equipment, product inventory, etc., that would be difficult to replace, whether it is an accessibility or cost issue, should have business insurance. If you have an extensive amount of inventory, then you will also want to have insurance.

You should carry insurance if there is a good chance you might have to contend with a personal injury lawsuit. A customer might suffer an injury on your premises or you could experience a theft of merchandise. What if one of your products is defective and causes harm to someone? Consider the consequences of a data breach to your business, placing your customers at risk if a security breach occurs.

7 Reasons Why You Should Consider Having Business Insurance

Insurance Will Protect Your Business from Lawsuits

You might have good relationships with your clients. You also could assume they would never take legal action against your business. But there are many reasons for lawsuits being filed. And the way things stand in today’s world, litigation is frequently used tactically to protect or identify liability.

If the work you perform for your clients is included in a larger contract, it is possible that your client may be obligated to sue your company to eliminate their liability. What it comes down to is that your client might have no other legal options other than to resort to bringing a lawsuit against your business.

If you do not possess the right insurance, you could be faced with paying substantial legal fees in order to defend your company.

Insurance Will Protect Your Business Employees

States like Washington require businesses to carry workers’ compensation insurance. This type of business insurance could prove highly valuable if any of your employees suffer work-related injuries or illnesses.

Workers’ compensation offers the following benefits:

Missed wages
Medical care
Funeral benefits

It is worth noting that workers’ compensation provides protection that is different than unemployment insurance programs.As a business owner, you have available to you other types of insurance that could protect the livelihood of your employees, such as liability insurance.

Liability insurance can provide financial protection by making payment on a judgment, which lifts the financial burden from your company.

Insurance to Protect Your Customers

If you already possess a Business Owner’s Policy (BOP), your business insurance could also cover your customers. Included in the BOP policy is both business property and business liability coverage, which are packaged together. This protects your business from the following:

• Bodily injury
• Product liability
• Property damage
• Personal and advertising injury

For example, if a customer at your store slips and fractures their arm, and is taken to the hospital for medical treatment, the BOP you are insured with will assist in covering the medical expenses.

If you are unfortunate enough to experience a security breach, data breach insurance will protect your business. This type of insurance will also pay for the following:

Legal fees
Identity protection solutions
Public relations
Liability

Protect Your Human Assets

If you are a business owner, it is your responsibility to operate and run your business. But if you were to succumb to an illness or have an accident that caused you to be incapacitated, what happens to your business then?

If you have company-owned life and disability insurance coverage, this will provide adequate funds to cover the loss of income. If you die or are disabled, this type of insurance makes available the necessary monies for the purchase of your interest under a buy-sell agreement.

You have the option of purchasing these policies, also known as “key man” or “key person” insurance, to cover the disability or death of a, particularly valuable employee.

Contracts May Require Your Business Carry Insurance

There are various aspects to be aware of when it comes to contracts and insurance. Here are

some scenarios that illustrate the need to carry insurance when your business deals in contracts:

If your business borrows money to pay for buildings, equipment, or operations, the loan agreement will probably include an insurance requirement.
If you lease or rent your business building, you might need to have insurance because the landlord’s policy likely does not cover it.
If you put in language about freelancers who require insurance and don’t realize it until they secure a job and lose their job as a result of not having insurance.
Contracts for clients could stipulate that you possess insurance in case things go awry.

Insurance Will Cover Natural Disasters

Also referred to as “Acts of God,” this includes disasters that happen outside the influence of humans. In the Tri-Cities, these incidents would include flooding, fires, severe storms, etc. There are two types of insurance that would apply in these situations. They are all-risk and peril-specific insurance.

Peril-specific policies cover particular risks, as well as floods, fire, and other specified acts of God. An all-risk insurance policy covers insured businesses from all perils, except the ones specifically excluded from the list.

Carrying Insurance Adds Credibility to Your Business

You may not have considered this advantage, but you can gain credibility in the business world if your company is insured. When you have commercial insurance, it conveys to potential clients and customers that you are safe to deal with.

What’s more, if there are any mishaps or unintentional accidents that occur, you have the ability to compensate the injured parties. In essence, having solid insurance builds trust with the people and entities you work with. And trust means everything if you want to grow your business.

Graybeal Group, Inc. Can Offer You a Better Business Insurance Package

Choosing the right business or commercial insurance plan for your company can be very confusing. So we have developed many different options and programs to meet the needs of our commercial insurance clients in Oregon, Washington, and throughout the Pacific Northwest
At Graybeal Group, Inc., we can design a specialized package according to your property, liability, and casualty needs.

We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give Graybeal Group, Inc. a call today or fill out one of our free online quote forms.

Graybeal Group, Inc. Offers A Wide Range of Products and Pricing

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop/Agriculture, Hemp, Non-Profits, Pasture Rangeland, and Forage, and Farm & Ranch.

Being able to provide the time for our agents to focus on their specialty allows us to give you – our clients – the needed coverage for your home and business. At Graybeal Group, Inc., we are committed to providing an experience that empowers our clients so they are educated on their coverage and the value we provide above all others.

For more information, we invite you to call Graybeal Group, Inc. at (541) 567-5523.

How to Save Money on Car Insurance

by jasong December 9, 2021

Who among us can’t complain about how expensive car insurance is and sometimes how unfair it can seem based on arbitrary data and figures? For some of us who drive the wrong class of car, it can feel like we are being punished by the auto insurance company when we have to pay exorbitant monthly premiums.

The average car insurance rate for Washington state drivers is $1,160 annually. That comes out to an average monthly rate of $79.98 for full auto coverage and $63.86 for liability only.

Nationally, the average car insurance cost is $1,674 per year, or about $139.50 per month, according to 2021 data pulled from Quadrant Information Services.

While we may not have a choice when it comes to carrying auto insurance in Washington state, we do have viable options that we can exercise that can make our premiums lower, and more affordable. In fact, we do have some control over the information that car insurance companies refer to when evaluating their risk in providing insurance to us.

Cars That Offer the Lowest Insurance Rates

What type of vehicle do you drive? Is it a luxury vehicle, an economy car, a sports car, a pick-up truck, or maybe a convertible? You might be surprised to learn that what you’re driving could put you in the driver’s seat when it comes to enjoying a lower auto insurance rate.

NerdWallet recently analyzed last year’s 25 best-selling models and looked at rates to determine which are the cheapest cars to insure.

Here are the 10 least expensive cars to insure as of 2020, according to NerdWallet data:

Subaru Outback.
Jeep Wrangler.
Honda CR-V.
Subaru Forester.
Ford Escape.
Ford F-150.
Chevrolet Equinox.
Jeep Cherokee.
Toyota Tacoma.
Toyota RAV4.

It is not always the case that a cheaper car comes with the lowest insurance rate or a more expensive vehicle will mean higher insurance premiums. You will find that auto insurance rates vary quite a bit, based not just on the type of car you drive, but also on numerous other factors.

So, what exactly do auto insurance companies look at when they set your insurance premium?

Factors that Determine Auto Insurance Rates

In Washington state, as in other states, insurance companies establish your insurance premium based on a variety of factors. The premium that you pay every month consists of a “base rate.” The base rate is predicated on several important factors that include the following:

Gender
Age
Marital Status
Driving Pattern
Claims History
Where You Live
Make, Model, and year of your vehicle

It is important to note that every company uses these determining factors differently.

This brings us to addressing ways that you can save money on your auto insurance.

Ways You Can Save Money on Your Vehicle Insurance

We are not powerless when it comes to determining how much we will pay for insurance every month to own and operate our vehicles. In fact, there are steps you can take that can influence how much your insurance premium will cost.

Maintain a Good Driving Record

Having a good driving record is one of the most effective ways you can lower your auto rates. As far as the insurance company is concerned, if you have few, if any accidents, no moving violations, no reckless driving incidents, no traffic tickets, etc., you are classified as a low-risk driver.

The insurance company examines your driving record to calculate your risk factor when setting your monthly premium. If you are a high-risk motorist, your insurance company will probably charge you a higher auto insurance rate, or possibly decline to insure you altogether. Auto insurance companies make money by charging for their services. They lose money when you need to use their service as a result of being in an accident. They then turn around and raise your premium to make more money.

As you can see, your driving record is the most influential factor when it comes to your auto insurance rate.

Reduce or Eliminate Optional Insurance for Older Cars

Think of it like this: if your car has a lower market value – because it is an older model car – why would you pay more to insure this older car? A general rule is that if your car is worth less than 10 times the insurance premium, it is probably not cost-effective to carry collision and/or comprehensive coverage.

You can reference websites such as TrueCar and Kelley Blue Book to learn what your older vehicle is worth.

Be Willing to Increase Your Deductible

If you opt to have a higher deductible on your car, you have the ability to substantially decrease your auto insurance premium. However, you should be sure that you have sufficient money to pay that higher deductible – which is what you pay before your insurance takes effect – if you file a claim.

Look for Special Discounts

Enquire with your agent at your insurance company if they provide any discounts. For example, some insurance companies give discounted auto rates to young drivers who maintain good grades in school. Young drivers who have completed a driver’s education course are sometimes eligible for a premium discount, as well.

You could also bundle your home and auto insurance with the same company, thus paving the way for a special discount on your vehicle insurance rate.

What’s more, insurance companies are mandated by state law to offer discounts to seniors – age 55 and older – who complete safe driving courses. For a list of these courses, visit the Washington State Department of Licensing.

Consider What Vehicle You Purchase

As discussed earlier, your insurance company will place an emphasis when setting your premium on what type of car you drive. So, prior to purchasing a vehicle, talk with your insurance agent or broker to find out how much it will cost you to insure your new car.

Have a Good Credit History

Among the many benefits of having a solid credit history is enjoying a lower auto insurance premium. It is common practice among insurance companies to rely on credit information when they set the prices for auto insurance policies.

According to research, people who manage their credit well tend to file fewer claims.

You might check your credit record occasionally to be certain that all the information is up to date and accurate.

Graybeal Group, Inc. Has You Covered for Auto Insurance

Because Graybeal Group, Inc. is 100 percent independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

The best part? It doesn’t cost you a penny more to use Graybeal Group, Inc. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

At Graybeal Group, Inc., we believe you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

If you live in the Pacific Northwest and you are looking for a car insurance comparison, Graybeal Group, Inc. makes the process of finding the best company and price easy.

Graybeal Group, Inc. Offers A Wide Range of Products and Pricing

Graybeal Group, Inc. is a professional Insurance company with licensed agents and staff. With over three decades of experience, The Graybeal Group takes pride that our agents are specialized in the needs of our customers in the areas of Crop/Agriculture, Hemp, Non-Profits, Pasture Rangeland and Forage, and Farm & Ranch.

For more information, we invite you to call Graybeal Group, Inc.

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