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All Lines Insurance

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Spokane, WA
All Lines Insurance

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All Lines Insurance is a full-service independent insurance agency serving Washington, Oregon, Idaho, Montana, Arizona & Nevada.

Since first opening our doors in 2000, All Lines Insurance has helped individuals and businesses in Spokane protect what matters most: their families and their futures. As an independent insurance agency, we work with multiple companies to provide a wide variety of insurance solutions to best fit your situation. Get a home insurance quote here: https://alllinesinsure.com/home-insurance-quote-spokane/

11/02/2026

The sun now sets during your commute, roughly around the time you’re merging onto Division. Fun.

Clocks fell back, and for the next few months most of Spokane drives home in the dark. Less light. Glare off every wet stretch of road. Pedestrians in black puffer jackets crossing where you didn’t expect them. And deer, wandering out along the edges of town at dusk, which is exactly when you’re on the road.

Nobody plans for a fender bender at 5:15 on a Tuesday. If one happens, three things suddenly matter a lot: whether your liability limits still fit your life, whether you carry uninsured motorist coverage, and whether a run-in with a deer is covered at all.

Most people can’t answer all three without digging out their policy. That’s normal. It’s also fixable.

Heading home in the dark now? Let’s make sure your auto policy is up to it. Send us a message or give us a call, and we’ll go through it with you. No pitch, just a straight look at what you have. 🚗

10/30/2026

Happy Halloween from the gang at All Lines. We all dressed up and had our annual chili feed with cinnamon rolls and Cameron‘s famous pea salad. Wishing everybody a safe and fun Halloween.

10/30/2026

Myth: “I’m young and single, so I don’t need life insurance.”

The truth is a little more annoying. Life insurance is usually cheapest when you’re young and healthy, because that’s exactly who insurers like to cover. Every birthday and every new health surprise can change the price.

Then there’s the “nobody relies on me” part. Did your parents co-sign anything? Do you share a lease? Would your family cover the costs if something happened? That’s reliance. It just doesn’t look like a spouse and three kids.

If nobody would feel a financial hit, you may need very little. Worth knowing for sure, though.

Curious what a simple term policy would cost you now? Send us a message or give us a call. No pressure, just a straight answer.

10/29/2026

Your detached garage holds the mower, the tools, and a surprising amount of coverage confusion.

Here’s what trips people up. On many homeowner’s policies, structures that aren’t attached to the house (the garage, the shop, the shed, that fence you finally finished) fall under a separate “other structures” limit. It’s often set as a percentage of your home’s coverage, commonly around 10%.

Run that math on a big detached shop and the number can look small. Fast.

The stuff inside? That’s a different part of the policy. And if you run a side business out of that space, the picture can change again.

Spokane winters don’t care which limit applies. Better to know your number before a February of heavy, wet snow does the testing for you.

Not sure your shop or garage is covered right? A quick review clears it up. Give us a call or send us a message and we’ll walk through it with you. ❄️

10/28/2026

Comprehensive vs. collision: the coverage twins everyone confuses right up until the estimate.

The name “comprehensive” does a lot of damage here. It sounds like it covers everything. It doesn’t.

Collision generally covers your car when it runs into something. Another car. A pole. That concrete planter in the parking lot that was absolutely not there yesterday.

Comprehensive generally covers the non-crash stuff. Theft. Hail. A tree limb after a windstorm. A deer on Highway 195 at dusk.

And here’s where it gets interesting. Hit the deer, that’s usually comprehensive. Swerve to avoid the deer and clip the guardrail instead? That’s usually collision. If you dropped collision years ago to save a few bucks on an older car, that guardrail is your problem.

Not sure which is which on your policy? Ask us. We’ll make it plain. Give us a call or send a message anytime.

10/27/2026

Monthly payments feel painless the way a slow leak feels painless.

Ask anyone in Spokane who found a drip under the sink in February. It was never one drop that did the damage.

Your insurance bill can work the same way. Many carriers give a discount for paying the policy in full once a year. Some monthly plans add a small installment fee to each payment. Small enough to ignore. Twelve times a year.

Paying annually isn’t right for every budget, and that’s okay. But you should know the number before you decide.

Want to see the annual-vs-monthly difference on your policy? Give us a call or send a message. We’ll pull the numbers.

10/27/2026

Thanks to handsome Steven from the Trucking team for making our Halloween sign!!! Wishing everybody a safe Halloween!

10/26/2026

Doorbell rings 200 times, your dog loses its entire mind, and your liability coverage suddenly matters.

Halloween is the one night a year strangers walk up to your door on purpose. Dozens of them. In the dark. Wearing things your dog has never seen and does not approve of.

Most of the time it’s just loud. But a nervous nip, an excited jump on a six-year-old, or a trip on your steps can turn into a homeowners liability claim fast.

A few things that help:

Put the dog in a quiet back room or crate before the first knock.

Hand out candy from the driveway, or set a bowl at the end of the walk.

Light the walkway and clear the wet leaves. Late October in Spokane, those steps get slick.

Then the part that takes one phone call. Before the big night, let’s confirm your liability limits are where they should be. Call or message us and we’ll look it over with you. 🎃

10/25/2026

A good time was had by the All Lines team at the Hope for the Good charity auction. Help One Person Every Day!

10/25/2026

Charging admission to scare people is a business. So is the person who trips in your dark hallway.

Every October, barns out by Green Bluff and warehouses in the Valley turn into something else for a few weeks. Strobe lights. Fog. Narrow corridors. Uneven ground, on purpose.

Your guests signed up to be scared. They didn’t sign up for a sprained wrist from a hidden step, and neither did you.

Here’s what most seasonal operators don’t think about until opening night: a standard general liability policy may not be built for paying guests in a space designed to disorient them. Special-event or participant liability coverage is often what closes that gap.

Running a seasonal attraction? Let’s make sure the fun is the only thing that’s scary. Send us a message or give us a call and we’ll take an honest look at what you have. 🎃

Address

6404 N Monroe Street
Spokane, WA
99208

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

(509)3271658

Website

https://alllinesinsure.com/, https://alllinesinsure.com/home-insurance-quote-spokane/, https://alllinesinsure.com/

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