Insurance for Your Automobile or
Other Vehicle
We know you want to do everything you can to protect yourself,
your family, and your vehicle. At Elliott Insurance, you can be
confident about your financial future,  knowing
that we will find you the best coverage, tailored to your specific
needs and your budget. We offer a variety of auto insurance coverage
options, and our agents are thorough, experienced, and professional.
When you have a claim, we will go out of our way to make sure you’re
taken care of. With the right auto insurance, you don’t have
to worry about protecting your assets from large lawsuit settlements.
At Elliott Insurance, we also offer insurance coverage for your
motorcycle, RV, personal watercraft, or ATV. For more information,
contact us.
Auto Coverage Descriptions
To help you better understand the terminology of car insurance,
please read the following descriptions:
Bodily Injury Liability – The policy pays
when you or a family member is legally liable for causing bodily
injury to another person. It also pays court defense costs.
Property Damage Liability – The policy
pays when you or a family member is legally liable for causing
damage to someone else's property. It also pays court defense
costs.
Underinsured
Motorists – Bodily Injury – The policy pays
for injuries you or a family member receive from an uninsured
or underinsured motorist (coverage cannot be higher than Bodily
Injury Liability).
Underinsured Motorists – Property Damage
– The policy pays for damage to your property from an uninsured
or underinsured motorist (coverage cannot be higher than Property
Damage Liability).
Personal Injury Protection (PIP) – The
policy pays medical expenses, income loss, and benefits for extra
expenses for you, members of your household, and guests in your
car in case of accidental injury or death. You must have Liability
coverage to purchase PIP.
Collision – The policy pays for damage
to your car from collision or upset regardless of fault, subject
to your deductible.
Comprehensive – The policy pays for damage
to your car other than collision or upset, subject to your deductible.
This includes fire, theft, vandalism, and glass breakage.
Towing and Labor – The policy pays for
towing and labor when your car will not operate under its own
power. Labor is covered only at the site of breakdown.
Rental Reimbursement – The policy pays
for rental reimbursement when your vehicle is being repaired due
to an event covered by your policy. The standard limit pays a
maximum of $450 per occurrence for rental reimbursement. Higher
limits of coverage are available. Coverage is available only on
vehicles with Collision, Comprehensive, or Underinsured Property
Damage coverage.
Auto Accidental Death – The policy pays
your spouse (if a member of the same household) or your estate
the limit of coverage purchased if you are fatally injured in
an automobile accident. Coverage is available for the named insured
and spouse ages 21 through 64.
Auto Loan Endorsement – Coverage is available
for new vehicles you purchase, and protects you in case the unpaid
balance of a loan exceeds the value of the vehicle at the time
of loss. We will pay the difference if we decide not to repair
or replace your vehicle. To purchase this coverage, you also must
purchase Collision and Comprehensive coverage.
Boat Insurance
Whether you're under open sail on Lake Chelan or water-skiing on
the Columbia River, the freedom of boating is beyond compare. With
Elliott Insurance on board, you'll have peace of mind knowing that
we’ll be there when you need us most. We provide coverage
for boats of all types – from sailboats to powerboats, whether
large or small. As well as coverage for physical damage and liability,
we offer coverage for medical payments, loss of income, emergency
service, and even replacement of your personal effects. We offer
many discounts that could reduce your premium by up to 50%! For
more information about coverage for your boat, contact us.
Request
a quote or more information on Auto Insurance
Homeowners & Renters
Insurance
Chances are your home is your greatest asset. But to you and your
family it’s more than just a financial asset, it’s your
home so you want to protect it. Homeowners insurance protects you
financially when unfortunate events happen like burglary, fire,
vandalism or injuries to persons visiting your home.
You probably don’t often think about the value of all the
possessions in your home, but replacing them would be costly. Homeowners
insurance covers the possessions in your home, your luggage, if
it’s stolen while you’re on vacation, or your leather
jacket if it’s stolen from your car. For more information
contact us or go directly to our free quote page.
At Elliott Insurance, we also offer Renters Insurance which provides
you with liability coverage and covers your possessions. For more
information, contact us.
Request
a quote or more information on Homeowners Insurance
 Life
Insurance
You build a life around the people who matter most to you. The
desire to take care of them – to always be there for them
– is one of life's strongest impulses. It's also one of your
most profound responsibilities. No matter what your situation, Elliott
Insurance can help. We offer both term life and whole life products
and can work with you to determine which is right for you.
Term Life Insurance
Term life insurance is usually the least expensive form of life
insurance. It pays a death benefit to your beneficiary or beneficiaries
if you die during the period of time (or term) specified in the
policy. Policyholders usually have the option to renew at the
end of the term for the period of years specified in the policy.
You can choose a 5, 10, 15, 20, or 30-year policy and coverage
from $50,000 to $5 million or more. Unlike whole life insurance,
the price of term life premiums generally increase as the insured
person gets older and the risk of death increases. The policy's
goal is to protect your family and home, if you're not here. The
money can help pay for funeral expenses, a mortgage, college education,
or debts.
Whole Life Insurance
Whole life insurance buys protection for you and your family
while it accumulates cash value. Whole life policies are available
from $25,000 to $5 million or more. Coverage is available for
individuals from age 15 days to 80 years. Your cash value, death
benefit, and premium are guaranteed to age 120 if the policy remains
in force. You'll know up front what guaranteed cash value accumulation
to expect each year. You can access your cash value through policy
loans.
Accelerated Benefit
Many life insurance policies come with Accelerated or "Living"
Benefit. This benefit allows the policy owner to access up to
50% of the policy's face amount if the insured is diagnosed with
a terminal condition that will likely result in death within 24
months. To find out more, contact us.
Request a Quote for Life
Insurance
Umbrella (Excess Liability)
Insurance
Umbrella insurance is an added layer of protection if you are found
responsible for someone else's bodily injury or property damage
– either through a car or boating accident or if someone gets
injured on your property. With jury awards increasing, umbrella
insurance protects you and your assets from lawsuits. If you need
extra liability coverage, discover how umbrella insurance can help
protect your most valuable assets.
 Business
Owner Policies
In our society, defending against even a minor legal complaint
is costly. A Business Owners Policy (BOP) is a package policy designed
to minimize your risk. We offer BOPs specifically tailored to small
retailers, wholesalers, owners of small offices, and other small
businesses whose operations are confined to an office setting. Some
small service and processing businesses such as bakeries, shoe repair
shops, and printing shops are also eligible.
Surety Bonds
When entering into a construction contract, often times the primary
concern is whether or not the contractor is competent and capable
of doing the work. A surety bond is a written agreement that usually
provides for monetary compensation in case the contractor fails
to perform the acts as promised. There are many different types
of surety bonds, but the two general categories are contract and
commercial surety bonds. Surety bonds provide financial security
and construction assurance on building and construction projects
by assuring project owners that contractors will perform the work
and pay certain subcontractors, laborers, and material suppliers.
A bond can also help protect an owner from liens against the owner's
property if the contractor fails to pay workers or suppliers.
 Business
Property Insurance
Your facility and equipment are valuable and they are essential
to your business. With business property insurance from Elliott
Insurance you can protect your company’s assets in case of
loss, fire, damage, destruction, or theft. Contact us for more information.
Business
Liability Insurance
Accidental losses are expensive. Managing your potential liability
can increase your company’s profits. Elliott Insurance offers
many types of business liability insurance coverage, including bodily
injury liability, property damage liability, and personal injury
insurance. Contact us to determine what kind of coverage is right
for your business.
All coverages are subject to policy terms, conditions, and exclusions.
Request a quote or more
information regarding Business Insurance
Insurance companies represented by Elliott Insurance Service
We invite you to learn more about the excellent insurance companies
we represent.
PEMCO
PEMCO Insurance, established in 1949, is a Seattle-based provider
of auto, home, boat, life, and umbrella insurance to Washington
state residents. By focusing on responsible individuals living
in Washington State, PEMCO has earned a national reputation for
delivering on its promise. PEMCO Insurance is part of an elite
class of companies that have been recognized by J.D. Power and
Associates for Customer Satisfaction Excellence. PEMCO offers
unparalleled claim service and highly competitive rates. Visit
their website for more information on Pemco.
Progressive
Progressive is a leader in the insurance industry, offering competitive
rates, advice from an independent insurance agent, and superior
claims service. Progressive offers auto, commercial auto, motorcycle,
personal watercraft, boat, Segway, snowmobile and RV insurance.
The knowledgeable, professional insurance agents at Elliott Insurance
will research multiple coverage options and determine if Progressive
is right for you.
Unigard
Unigard creates customized insurance service to provide the quality
and value you deserve. Unigard Insurance Group has proud roots
in the Northwest, going back to 1901. Providing auto, homeowners,
rental property and excess liability coverage to individuals in
seven western states, Unigard is headquartered in Bellevue, Washington.
Unigard is committed to offering second-to-none customer service
through licensed independent agencies. Visit their website for
more information on Unigard.
Contractors Bonding and Insurance Company (CBIC)
CBIC is a privately held, Seattle-based insurance company specializing
in surety bonds, property and casualty insurance, and Business
Owners Policies (BOPs). CBIC is U.S. Treasury listed and rated
A (Excellent) by A.M. Best Company. Formally established in 1979
with roots tracing back to 1959, CBIC serves over 30,000 business
owners nationwide. The company is the #1 writer of contractors’
license bonds in the Northwest. Visit their website for more information
on CBIC.
Serving the insurance needs of Central
and Eastern Washington since 1954.
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