Your Insurance Gal Tiffany

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Your Insurance Gal Tiffany

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06/17/2026

🏠 What I Wish People Knew About Homeowners Insurance:
Your insurance policy is not a home maintenance plan.

If your roof is 25 years old and starts leaking because it's worn out, don't expect your insurance company to buy you a new roof.

Insurance covers sudden and accidental damage, not age, wear and tear, or deferred maintenance.

What I wish more homeowners knew: Taking care of your home is one of the best ways to prevent claims and keep insurance available and affordable.

06/16/2026

There is so much misinformation floating around about homeowners insurance that I thought I'd start sharing some of the things I WISH people knew.

After nearly 23 years in the insurance industry, I've heard it all:

❌ "My home is insured for what I paid for it."
❌ "If my roof is old, insurance will replace it no matter what."
❌ "Flood damage is covered by homeowners insurance."
❌ "All policies cover the same things."
❌ "The cheapest quote is the best deal."

The truth is that homeowners insurance is often misunderstood, and those misunderstandings can become very expensive when a claim happens.

Over the next several weeks, I'll be sharing some of the most common misconceptions I hear and explaining how homeowners insurance actually works in plain English.

My goal isn't to sell you anything—it's to help you make informed decisions and avoid unpleasant surprises when you need your insurance the most.

📢 Follow along for my "Things I Wish People Knew About Homeowners Insurance" series.

What's one homeowners insurance question you've always wondered about?

05/05/2026

Manufactured homes are becoming one of the hardest properties to insure right now—and it’s not just about age.

Here’s what’s really going on 👇

🏡 Older homes = fewer options
Many insurance companies won’t insure manufactured homes over 20 years old, even if they’re well maintained.

🔥 Wildfire risk is changing everything
In areas like Eastern Washington, wildfire scoring is causing even specialty companies to decline homes they used to insure.

📉 Fewer carriers in the market
Companies like Foremost Insurance Group and American Modern Insurance Group have tightened guidelines, leaving homeowners with limited choices.

🛠️ More underwriting hurdles
Things like roof age, foundation type, and even nearby vegetation can impact whether a home is approved.

⚠️ Result: More homeowners are being pushed to last-resort options
When standard companies say no, the Washington FAIR Plan is often the only path forward for coverage.

💡 What you can do:

Keep your home updated (especially roof & systems)
Maintain defensible space around your home
Work with an independent agent who can shop multiple markets

If you own a manufactured home and are worried about coverage—or have already been declined—reach out. There are options, but you need to know where to look.

05/04/2026

⚠️ Auto Insurance Scam Alert ⚠️

With auto insurance rates at an all-time high, more people are shopping around for better deals—and unfortunately, scammers are taking advantage. ⚠️

The Texas Department of Insurance is warning consumers about a sharp rise in fake auto insurance cards.

Here’s how the scam works:
People think they’re buying legitimate auto insurance and receive ID cards—but when they need to file a claim or show proof of coverage, they find out the policy is completely fake and their money is gone.

💡 How to protect yourself:
• Be cautious of deals that seem too cheap for full coverage
• Verify the agent and company with your state’s insurance department
• Don’t feel pressured to buy on the spot
• Pay by check or credit card (avoid cash or payment apps)
• Keep records of all communications and documents
• Be wary of door-to-door or unsolicited phone offers

Bottom line: If the quote feels too good to be true, it probably is. Take a few extra minutes to verify before you buy—this is one shortcut that can cost you big.

04/28/2026

Thinking about DoorDash as a side hustle? Your auto insurance might not be as flexible as your schedule.

Here’s what you need to know before you start delivering:

Most personal auto insurance policies do not automatically cover you while you’re driving for delivery apps like DoorDash. That means if you get into an accident while waiting for an order, on your way to pick up food, or making a delivery, your claim could be denied under a standard personal policy.

Here’s the breakdown:
• Personal use only – Covered (driving kids, errands, commuting)
• App on, no delivery accepted yet – Usually NOT covered
• En route to pick up or deliver an order – NOT covered under personal policies

To stay protected, you typically need one of the following:
• A rideshare/delivery endorsement added to your personal policy
• Or a commercial auto policy (more expensive, but broader protection)

One more thing most people don’t realize: even if the app provides limited coverage, it’s usually secondary, meaning it only kicks in after your personal insurance denies the claim.

Before you hit “Start Dash,” it’s worth checking with your insurance agent so you don’t find out about a coverage gap after an accident.

If you’re unsure where you stand, I can help!

I offer free policy reviews and coverage comparisons so you can see:
• If you have a coverage gap while delivering
• Whether adding a rideshare/delivery endorsement makes sense
• If you could be overpaying for your current coverage
• Better options for protection + price

No pressure, just clarity so you know exactly what you’re paying for and what’s actually covered.

Send me a message if you want me to take a look at your policy 👍

04/24/2026

Something tells me that “suspect vehicle” didn’t have insurance…

04/20/2026

When folks ask me why insurance rates are so high, I’m going to show them this:

PS. Thank you to my client, Keith for sharing this with me!

03/25/2026

Vehicle issues give me a tremendous amount of anxiety, but for the first time in a VERY long time I had a WONDERFUL experience with a mechanic.

HUGE shout out to EuroPro!!

⭐⭐⭐⭐⭐

03/19/2026

Sharing a funny from a customer that made me smile today. 😂

03/18/2026

💥 Cheaper insurance isn’t always better! 💥

A client almost switched policies to save $15/month…

But his current policy includes OEM parts coverage on his newer car — and the cheaper options didn’t. 😬

✅ OEM parts = exact manufacturer parts
✅ Proper fit & performance
✅ Warranty protection

Using aftermarket parts could void your warranty and cost you hundreds or even thousands later.

💡 Lesson: Don’t just chase a lower price — check the coverages. The right protection matters when you actually need it!

📞 Want to make sure your insurance is doing its job? Contact me for a quote and I’ll help you compare coverage AND price so you get the best of both worlds!

https://app.usecanopy.com/c/all-lines-insurance-tiffany-forness

Address

6404 N Monroe Street
Spokane, WA
99218

Telephone

+15093271671

Website

http://alllinesinsure.com/

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