Your Insurance Gal Tiffany

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Your Insurance Gal Tiffany

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Your Insurance Gal Tiffany, Insurance Agent, 6404 N Monroe Street, Spokane, WA.

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

02/03/2026

Let's talk about roof maintenance.

VIDEO - https://go.screenpal.com/watch/cOneFAn3EEO

I recently had to tell a potential client that I can't offer her a quote because every insurance company declined her.

Why???

Overhanging Tree Branches
Moss on the roof

So she dealt with it!

She had the tree branches trimmed back and had the moss removed.

And guess what?!?!

SHE WAS STILL DECLINED!!!

WHY???

The condition of the roof that the moss was hiding (and likely caused)!!!!

The overhanging tree branches shaded the roof and allowed moss to grow.
The moss trapped moisture and rapidly deteriorated her roof.

Sadly, her 30 years comp roof only lasted 17 years due to "lack of maintenance" which includes landscaping, tree trimming and moss removal.

I hate this... I hate having to be the "bad guy"! It's in the top 3 worst parts of my job.

Let me be a resource for you! Send me photos of your roof and I'll tell you if you are at risk to be canceled, declined or increased due to roof concerns:

[email protected]

12/13/2025

I have been teaching first time homebuyers classes at Habitat for Humanity for almost two years. I absolutely LOVE sharing my insurance knowledge in this format!

Today, they surprised me with birthday flowers at the end of class!! I was so surprised and overwhelmed with love and gratitude! I feel so special and incredibly lucky to be their “Insuance Gal”!!!

Address

6404 N Monroe Street
Spokane, WA
99218

Telephone

+15093271671

Website

http://alllinesinsure.com/

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