Belltown Insurance Group Logo 
Auto Insurance
Home Insurance
Call: (888) 443-7744
Personal Lines
Personal Insurance
We provide a variety of personal lines coverages including auto, home, motorcycle, boat, flood, renters and recreational vehicles.
Lean More
Business Insurance
Business Insurance
Business Insurance can be sometimes confusing and we're here to help with business owners policies, general liability and work comp.
Lean More
Payment & Claims
Payment & Claims
Check out our payment and claims area for assistance with online carriers access for payments and submitting a claim.
Lean More

Quick Quote Form

First Name Last Name
Email:
Phone:
Zip:
Interest:

Insurance Policies Not To Consider In 2017

Jan 8, 2017
2017 is going to be a year of change. We have a new President, we have a new healthcare system and we may recommend that you not buy certain kinds of personal insurance. We will be the first to say that certain insurance may not always be best for your needs. We believe each client is unique and therefore requires unique insurance solutions.
Here are some examples of insurance products you most likely do not need to buy.
Universal life - Typically term life insurance is going to be a better fit for you. Term life costs less, and you can take the premium difference and invest it yourself.
Extended warranty plans - These are never a good idea. The warranty premiums are mostly commissions paid to the salesperson. Some credit card companies offer this protection if you make the purchase with their cards.
Pet Insurance - Pet insurance usually is very limited in coverage and very costly.
Collision insurance on older vehicles - If your vehicle has little or no value, it is better to pocket the premium and place it into a fund for future losses.
Insurance on outstanding credit card balances - This type of insurance can be costly, and there are a lot of loopholes to go through before any benefit is paid.
Mini Storage Insurance - As long as you have homeowner’s or renters insurance you don’t need to buy special insurance. Most policies have automatic coverage for property away from your primary premises. Call us for details and limitations.
Mortgage life insurance - This protects the bank, not you. If you were to die, the payout goes to the bank, not your family. You are better off buying term life insurance.
Flight Insurance - This is completely unnecessary, as airline accidents are rare and your life insurance policy should already provide the coverage in the event of a catastrophe.
Insurance is designed for the accidents and unexpected events in life that are too costly to pay on your own. Call us for more information.

We offer all types of Personal Insurance coverages to our clients including Auto, Homeowners, Motorcycle, Boat, Car, Renters and Umbrella. Our benefits department can also assist you in protecting you and your family with Life, Insurance. 

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Commercial Auto, Work Comp, Business Owners Packages, and General Liability.
 
Return to Archive - Search Blog
Email Subscription
RSS Feed
2133 3rd Ave #106 Seattle, WA 98121 | Phone: (888) 443-7744 | Fax: (206) 443-8335 | Toll Free: (888) 443-7744 | Email Us | Get Map
3911 5th Ave. Suite 200 San Diego, CA 92103 | Phone: (619) 312-4098 | Fax: (619) 688-4098 | Toll Free: (888) 443-7744 | Email Us | Get Map
Facebook Twitter Yelp* Blog RSS Feed