Your Insurance Gal Tiffany

09/24/2026

🎓

Sending your kid off to college?

Between their laptop, phone, clothes, furniture, and everything else crammed into that dorm room, they may have more stuff—and more financial exposure—than you realize.

Here are 5 reasons a separate renters policy may make sense:

1️⃣ Your homeowners policy may cover them—but there can be limitations.

Depending on the policy and living arrangement, a student living away from home may have some coverage under their parents’ homeowners or renters policy. But coverage limits and eligibility can vary.

2️⃣ You may not want a college student’s claim on Mom & Dad’s policy.

Even if your policy would cover your student’s belongings, filing a claim on the parents’ policy could potentially affect future premiums or claim history. And if the parents have a large deductible, a claim may not make financial sense anyway.

3️⃣ Their electronics can be expensive to replace. 💻

Laptop + phone + tablet + headphones + gaming system + other electronics = a LOT of money sitting in one dorm room.

4️⃣ Renters insurance includes liability protection.

It’s not just about their belongings. A renters policy can also provide liability coverage if your student is responsible for certain injuries or damage to someone else’s property.

5️⃣ It can be an inexpensive way to protect them.

A renters policy can provide personal property and liability coverage for a relatively small premium—and give both you and your student some extra peace of mind.

Message me or comment “Dorm Life” if you’d like a free renters insurance quote for your college student!

08/30/2026

🏡 Habitat for Humanity’s 2nd Annual Homeownership Resource Fair! 🏡

For about six years now, I’ve had the honor of teaching first-time homebuyer classes through Habitat for Humanity, and it’s something I truly love being a part of.

Last year, Habitat held their very first Homeownership Resource Fair, and it was such a hit that they decided to bring it back this year—and WOW, did it grow! I was so excited to be invited back, and this year was an even bigger success. ❤️

I had the opportunity to meet so many amazing families and individuals at all different stages of homeownership. It felt so good to be there to answer questions, help people better understand their insurance needs, and hopefully make the homeownership process feel a little less overwhelming.
And, of course, I couldn’t forget the littles! 🍭 Handing out candy may have been one of my favorite parts. 😉

Jay even joined me and made some connections of his own, which made the day even more fun!

What a wonderful day surrounded by people who are working toward such an important goal. 🏠❤️

Thank you, Habitat for Humanity, for all that you do for our community and for allowing me to be a small part of it. You truly are an amazing organization!

08/09/2026

Foremost's Mobile Claims Center is parked at a Lowe's in Spokane Valley.

Open daily, 7:00 a.m. to 6:00 p.m.
Lowe's
5204 E. Sprague Ave, Spokane Valley, WA 99212

Note the address. This one is not at Shadle Park like the others. It's across town in the Valley, so check before you drive.

What they'll do on site: pull up your policy and tell you what it covers, help you file a claim, and help you get in touch with family if you've been out of contact.

Bring your policy number if you have it. Bring photos if you took any. If you have neither, go anyway.

08/07/2026

A little reminder that when it comes to insurance, the “best” option isn’t always the one with the lowest price. 😊

Sometimes it’s not just about the premium. Convenience, simplicity, and having one less thing to manage can be worth something, too.

As insurance agents, we spend a lot of time comparing premiums and coverage—but at the end of the day, the right policy is the one that fits your needs AND works for your life. ❤️

Insurance is personal. There’s no one-size-fits-all answer!

08/06/2026

Travelers also has a mobile claim office opening at Shadle Park High School.

Starting Thursday, August 6
Shadle Park High School
4327 N. Ash St, Spokane, WA 99205
9:00 a.m. to 7:00 p.m. daily

If you're a Travelers customer, you can walk in and do three things:

Start a new claim, or get a real person to look at one you already filed.

Ask for an advance on a covered loss. If you qualify, that's money in hand now, not after the file closes.

Charge your phone and get on the internet. If you evacuated Saturday, that may be the most useful thing on this list today.

Shadle Park is doing double duty this week. The city's Disaster Assistance Center opens there Thursday with state insurance commissioner staff on site, and Liberty Mutual's claims unit arrives Friday morning. One trip, several doors.

08/06/2026

Safeco/Liberty Mutual is parking a claims office at Shadle Park High School.

Opens Friday, August 7 at 8:00 am
Shadle Park High School
4327 N. Ash St, Spokane, WA 99205

Monday through Friday: 8:00 am to 6:00 pm
Weekends and holidays: 9:00 am to 5:00 pm

It's called a Mobile Customer Response Vehicle. What it means for you: claims staff on site, in person, who will walk you through reporting a loss and answer the questions that are hard to ask over the phone.

You can go without an appointment. Bring your policy number if you have it, and photos if you took any.

08/04/2026

Our office is inside the wildfire evacuation zone, so the physical doors are closed. But we will be here for you.

Team members are working from wherever they can find internet, answering calls and helping clients through whatever this weekend left behind. It's slower than normal. We're getting to everyone.

If you've lost your home to this fire, or you have a question about your coverage that can't wait, call 509-327-1658 and tell us it's urgent. We'll move you up.

If you called a direct line and got voicemail, please call the main number. Someone on our team can help you today.

Spokane, we're thinking about all of you. Whenever you're ready to sort out the insurance side, we'll be here to walk you through it.

08/04/2026

06/20/2026

Something I Wish Everyone Knew About Homeowners Insurance:

Your home's selling price has nothing to do with how much it costs to rebuild.

A home worth $400,000 on the market might cost $600,000 or more to reconstruct after a total loss.

A home worth $600,000 on the market might only cost $400,000 or reconstruct if the land is high value.

Labor costs, material costs, debris removal and building code upgrades all affect rebuilding costs.

That's why your dwelling coverage may look different than your home's market value.

06/19/2026

Hi Friends!

With the recent Upriver fire, many homes and properties in our area were impacted by fire retardant drops used to help slow the spread and protect structures.

While this retardant plays an important role in firefighting efforts, it can leave residue on roofs, siding, vehicles, decks, and outdoor surfaces.

The fire department has put together helpful guidance on how to safely clean it off different surfaces. I’m sharing their document below—please take a moment to review it if your property was affected.


Stay safe, Spokane ❤️