TFI INSURANCE

WELCOME...

2008-12-14T00:20:00.000-08:00

Since 1994, we have offered Home, Auto, Boat, Umbrella and Life Insurance to the greater Seattle, Washington area.

As of 2008, we now now offer more products and services to meet your needs which include Disability, Long-Term Care and Annuities. Be sure to ask about our Retirement, College and Pension planning services offered at no cost to you...

Outstanding service has been the cornerstone of our business. Call us for a FREE Quote Comparison...

INSURANCE SERVICES

2008-12-12T14:12:00.000-08:00

Auto Insurance

Car insurance isn't just about cars. It's also about the people who drive them. If you're a responsible driver, you owe it to yourself to discover the advantages of PEMCO. Because we insure only safe drivers, we're able to provide better service and more competitive rates to our policyholders, in short, to be a more responsible company.

Our coverages are flexible to meet your specific needs. We also offer a variety of discounts, including our Safe Driver Plan. If you need extra liability coverage, discover how umbrella insurance can help protect your most valuable assets.

More importantly, when you do have a claim, our responsiveness is unparalleled.

HOME INSURANCE SERVICES

2008-12-11T14:20:00.000-08:00

HOME INSURNACE

If you're the kind of person who puts that extra coat of paint around the trim of your house or makes sure the smoke alarms in your apartment work, you deserve the advantages of PEMCO home insurance. We insure only responsible homeowners. And because of that, we can offer them more-responsive service at more-competitive rates.

Our coverages are flexible to meet your specific needs, even if you own a condominium or rent your home. We also offer a variety of discounts to lower your rates even further. If you need extra liability coverage, discover how umbrella insurance can help protect your most valuable assets.

More importantly, when you do have a claim, our responsiveness is unsurpassed.

To learn more about the claims process, click here.

For further information, read our Frequently Asked Questions.

INSURANCE SERVICES

2008-12-10T14:29:00.000-08:00

Boat Insurance

Whether you're under open sail on Puget Sound or water-skiing on Moses Lake, the freedom of boating is beyond compare. And with PEMCO on board, you'll have the peace of mind of partnering with a company whose customers are among the most loyal in the state.

PEMCO provides coverages for boats of all types – from sailboats to powerboats, from large boats to small. We offer many discounts that could reduce your premium by up to 50%! If you need extra liability coverage, discover how umbrella insurance can help protect your most valuable assets.

More importantly, when you need help, our service is unsurpassed. In 2008, for the third straight year, J.D. Power and Associates presented a trophy that certifies PEMCO's call center for providing "An Outstanding Customer Service Experience."

For further information, check out our Frequently Asked Questions.

INSURANCE SERVICES

2008-12-09T14:31:00.000-08:00

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, PEMCO can help. We offer both term life and permanent life products and can work with you to determine which is right for you.

For more information, visit our Life Articles section or Frequently Asked Questions.

HOME INSURANCE SERVICES

2008-12-02T23:06:00.000-08:00

Frequently Asked Questions

Q: What coverage is there for my in-home business and office equipment?

A: With the Homeowners Policy, your equipment is covered to the policy limit of $2,500. Any equipment used away from the home for business purposes has a policy limit of $250. With the Premier Homeowners Policy, your equipment is covered to the policy limit of $5,000. Any equipment used away from the home for business purposes has a policy limit of $500. Both policies' liability coverage doesn't include business exposure. You can add endorsements to the basic policy or purchase a business owner's policy to get coverage for the equipment and liability.

Q: A tree in our yard falls on the neighbor's house. Will my Homeowners Policy cover it?

A: The policy's liability section will provide coverage if you've been negligent in taking care of the tree and that negligence contributed to the tree falling. The policy also will provide debris removal for the part of the tree still on your premises, as long as it damaged a covered structure.

Q: What if my neighbor's tree falls on my house?

A: The policy will provide coverage. Debris-removal coverage also will be available since the tree damaged a covered structure.

Q: Does my liability coverage apply only at my residence?

A: The liability coverage protects you anywhere in the world. For example, if you're skiing in the Swiss Alps and you crash into someone, break his or her leg, and are found legally liable, your Liability and Medical Payments coverage will extend to protect you.

Q: Will I be covered if my pipes freeze?

A: If the home is vacant, unoccupied, or under construction, there's coverage if you've taken care to heat the home or shut off the water and drain the system.

Answers to many of these questions are based on Washington state regulations and PEMCO policies. For specific information, please refer to your policy. All coverages are subject to policy terms, conditions, and exclusions.

HOME INSURANCE SERVICES

2008-12-02T23:05:00.000-08:00

Umbrella Insurance

Umbrella insurance is an added layer of protection if you are found responsible for someone else's bodily injury – either through a car or boating accident or if someone gets injured on your property. With jury awards increasing, umbrella insurance protects your most valuable assets.

To qualify for umbrella insurance, you must have both your auto and home insurance with PEMCO. Your auto liability levels must be $500,000/$500,000 for bodily injury and $250,000 for property damage. You must also carry homeowner liability limits of $500,000.

You can buy umbrella insurance at limits of $1 million, $2 million, or $3 million. A $1 million policy could cost as little as $135 a year.

HOME INSURANCE SERVICES

2008-12-02T23:04:00.000-08:00

Condominium Insurance

If you own a condominium, your Homeowners Association probably has a Master Policy that covers the building you live in and any common areas. However, your personal belongings are your responsibility and need a separate policy.

PEMCO's Condominium Policy provides coverage for your personal belongings as well as liability coverage, loss of use, and medical payments to others.

HOME INSURANCE SERVICES

2008-12-02T23:03:00.000-08:00

Renter Insurance

If you rent your home (whether it's a house or apartment), it doesn't mean you don't need a Homeowners Policy. PEMCO's Homeowners Policy for renters provides protection for your personal possessions. It also provides liability coverage in the event you're found responsible for causing property damage or bodily injury to another person.

For your personal belongings, you have the option of getting replacement cost coverage. This coverage will pay the cost to replace your lost or stolen item at today's rates. Without this coverage, you receive the actual cash value for the lost item – which can be as little as 10% of what it would cost to truly replace the item.

HOME INSURANCE SERVICES

2008-12-02T23:02:00.000-08:00

Home Discounts

Home Plus Discount – Save 20% off your base homeowner premium when you insure your home and auto with PEMCO.

Claims History Discount – If you haven't filed any claims in the past three years, you'll receive a discount.

Insurance Score Discount – We offer a range of discount levels based on your insurance score. Click here to learn more.

Safety-related Discounts – Save money if you have deadbolt locks, a fire extinguisher, fire/smoke alarms, a burglar alarm system, or sprinkler system.

New Home Discount – Save up to 25% off your base homeowner premium when you own a newer home.

With minimal or no service fees, you can use our convenient payment plans to save even more. If your payment is made through your mortgage company, no problem – we can handle that, too!

HOME INSURANCE SERVICES

2008-12-02T23:01:00.000-08:00

COVERAGE DESCRIPTIONS

Dwelling – The policy pays for damage to the structure of your home caused by many perils including, but not limited to, fire and lightning, windstorm or hail, explosion, aircraft or vehicle damage, smoke, vandalism, burglary, and certain types of water losses. Common exclusions include flood, earthquake, and normal wear and tear.

Other Structures – This coverage insures detached buildings on your property, such as a detached garage, shed, or child's playhouse. Structures used for business purposes are not covered.

Personal Property – The policy provides worldwide protection for your personal belongings. It includes coverage for furniture, appliances, clothing, and other household goods. Some items (such as jewelry, furs, guns, silverware, computers, and business equipment) have special limitations. Additional coverage may be purchased for those types of items.

Loss of Use – The policy pays the necessary increase in living expenses while your home is unlivable due to a covered event.

Personal Liability – This coverage protects against events for which you are liable resulting from bodily injury or property damage suffered by others.

Medical Payments to Others – This coverage pays medical expenses to guests injured on your property, even though you are not legally responsible for the injury.

Replacement Cost Coverage – With PEMCO's Replacement Cost Coverage, your belongings are covered for the same amount you'd pay for them today. You can get this protection whether you're a homeowner, condominium owner, mobilehome owner, or renter.

All coverages are subject to policy terms, conditions, and exclusions.

CONTACT INFORMATION

2008-12-01T22:11:00.000-08:00

TFI INSURANCE SERVICES
20416 67th Ave NE, Ste. A
Arlington, WA 98223

Phone - (360) 435-3700

EMAIL - tfi@tfiinsuranceservices.com
WEB - www.tfiinsuranceservices.com

Tieca Ibea
Agent / Owner

Jim Ibea
Agent / Owner

Offering Home, Auto, Boat and Unbrella Insurance to the greater Seattle, Washington area since 1994. Outstanding service has been the cornerstone of our business.Call us for a FREE Comparison Quote...