Rouw Insurance Services - Farmers Insurance

08/07/2026

Let's Gooooooooo! Summer Sips is tonight - grab your tickets: https://app.seemylegacy.com/community/2717/campaign/9610

08/07/2026

Tonight’s the night! Summer Sips: Sip & Shop Pairings! Enjoy delicious ciders and wines from these Northwest favorites:
Bellingham Cider Co.
North Sound Brewing
Kulshan Brewing
Silver Bell Winery
Garden Path Fermentation
Samson Estates
Lantz Cellars
Esja Wines
Kasari Cellars
Neu Flessenow
You can still purchase tickets online (while they last) or get them at the door!

08/03/2026

Have you got your tickets yet?

04/28/2026

West side bridge info.

11/18/2025

If you ever wonder how we're able to serve so many community members, it's because of the support of wonderful supporters like Rouw Insurance Services - Farmers Insurance and Indira Rouw Wagenbach who collect donations of food, hygiene supplies, blankets, and bags! Not only is Indira a member of our board, but a longtime advocate for our work in Skagit County!

06/27/2024

Home Insurance:

1. Home insurance is not a maintenance policy.

2. Look at higher deductibles to save money.

3. Home insurance should be used for large losses.

05/09/2024

If you own a home you have probably noticed your home insurance costs increasing. Here are some of the reasons the costs are rising.

1. Non-weather water damage claims: Outside of weather related claims, water claims are number one cause of home losses, causing 40-50% of all home losses
The average cost of a non-weather related water loss is increasing 2 to 3x faster than other loss causes.
A customer with one water loss is 2x more likely to have an additional water claim.

Some reasons why water claims are getting worse:
Nearly half of all owner occupied homes were built before 1980, and recently constructed homes have declined.
Aging plumbing, more bathrooms, larger homes, and continuous wood flooring are contributors to the problem.
Rising costs of labor and materials.
Most homeowners do not have water sensors in their homes.

2. Wildfires:
In the last 10 years, wildfires have caused nearly 99 billion in economic and insured losses globally.
Approximately 72 million residential properties are under threat of potential destruction or harm from wildfire incidents.
Over the past four decades, the yearly average of burned forest area in the US has seen a dramatic increase of 1,000%.

Costs to suppress fires is increasing. The number of fires over the last 13 years exceeded that of the preceding 20 years. Fire frequency doubled along the West and East coasts, while it quadrupled in the Great Plains region.

Rising costs of labor and materials, and more people moving and building in fire prone areas.

3. Wind and Hail:
Wind and hail claims made up 66% of total catastrophic claims in the past 5 years.
Insured losses from wind and hail events in the U.S. surpassed $50 billion for the first time in recorded history during 2023.
Annual hailstorm damage to residential properties, vehicles, and agricultural crops in the U.S. is estimated round 15 billion.

Population growth in these areas, newer and larger homes, and increasing cost of labor and materials drive up costs.

These are some things to consider when looking at your home insurance renewal billing.

05/03/2024

02/22/2024

You’re paying a lot more for car insurance than you were in 2020. Here’s why.