Classic Car Insurance Guidelines When Moving to a New Residence

Your classic car demands adequate protection, whether on the road or moving to your new full-time residence. You can apply the planning strategies outlined here and then get the appropriate classic car insurance products from our MTC Insurance Agency Group agents.

Standard Policy

Your existing classic car insurance policy may not offer the level of coverage your vehicle requires during its move. Reviewing your current policy to measure the extent of potential coverage gaps is advisable.


Ask your insurer about classic car insurance add-ons that offer coverage tailored to your specific needs. For example, a towing add-on can cover any expenses incurred if your towing equipment breaks down or gets stolen while you’re relocating.

Review the range of add-ons offered by your insurer to select the coverage that meets your unique needs. For instance, you can buy insurance to cover parts and accessories of your classic car.

Moving Plans

Ensure that your moving plans align with the effective date of your insurance policy. You might want to discuss these plans with an insurance agent, who can then recommend suitable insurance products.

After acquiring more insurance coverage, keep one copy of your insurance papers in your vehicle and another in an easily accessible place.

Contact Our Team

Reach out to our agents serving University Place, WA, for more information about suitable classic car insurance products for your needs during your relocation.

Five Kinds of People Who Need an Umbrella Policy

Umbrella policies offer liability coverage over and above the limits of individual homeowners, auto, boat, watercraft, personal aircraft, and other policies. Also known as a personal umbrella policy (PUP) or excess liability protection, your umbrella policy covers claims for property damage, personal injuries, actions for libel, slander, and false arrest injuries caused by your pets, and other liability situations. Your umbrella policy can cover you and other members of your family.

At the MTC Insurance Agency Group, serving the University Place, WA area, we see five kinds of clients who usually benefit from personal umbrella protection. People who benefit from umbrella insurance protection include:

Anyone Whose Net Worth Exceeds Their Liability Protection

Standard liability riders on homeowner and auto policies generally are limited to $500,000.

If you are at fault in one of the kinds of claims mentioned above, and you have assets of more than $500,000, some personal injury lawyer will try to get them. Umbrella insurance protects your financial assets from the vast verdicts resulting from personal injury actions.

Anyone Who Entertains Guests at Their Home

Dogs and exotic pets sometimes injure guests. Accidents happen in swimming pools, and slips and falls can occur on your beautiful floors.

Umbrella coverage expands your personal inability protection to as much as $5 million—more than any litigant is likely to get in a court action against a homeowner. You can pay your judgments without tremendous losses to your savings.

Anyone Who Has a Public Profile

Do you make statements to the press or television stations? Do you write letters to the editor or maintain a YouTube channel? Umbrella insurance can pay libel judgments, which can happen even if you are careful about your public statements.

Anyone Who Travels Internationally

You can be sued when you go abroad, too. Umbrella insurance can get you out of trouble in foreign courts.

Almost anyone who has money needs a personal umbrella policy. Call the MTC Insurance Agency Group, serving University Place, WA, and the surrounding area, to arrange a time to speak with your agent about umbrella protection.

Why Is Condo Insurance Important?

Condominium insurance policies safeguard your personal property and reimburse you to fix covered perils. You will also have liability protection for potential injury or property damage experienced by those entering your property. You can get a fast quote for condominium insurance from the professionals at MTC Insurance Agency Group in University Place, WA. Keep reading to find out why we recommend coverage for every condo owner.

Reasons You Need Condominium Insurance 

Here are just a few of the reasons why condo policies are so important. First, they play a critical role in protecting your investment. Condo insurance protects your unit and your belongings. Usually, the HOA has a master policy to handle the lobby, parking area, hallways, and other common areas. However, the master policy doesn’t pay for damage to your condo’s interior space. So, in the event of a fire or other covered peril, your condo policy covers important gaps.

You’ll also need liability protection for your home or investment property. Condo insurance usually includes injuries sustained by visitors to your unit. Many policies also include reimbursement for legal costs associated with covered scenarios. That can provide peace of mind when you want to entertain or have workers upgrade the unit.

What if you can’t live in your condo due to fire or other covered events? Some policies pay for living expenses if you must move out during restoration. That may include meals and other essentials. Do you still pay a mortgage on your condo? Most financial institutions require insurance as a condition of the loan. Investing in condo insurance is always a good idea. Without coverage, you might end up paying for repairs to your unit.

Our team is here if you need to review your existing policy. Contact MTC Insurance Agency Group in University Place, WA, to customize your condo insurance policy today. 

What’s SR-22 Auto Insurance?

Often misunderstood as a type of insurance, SR-22 is, in fact, a certificate of financial responsibility mandated for certain drivers. If a court or the Washington State Department of Licensing has ordered you to obtain an SR-22, the University Place, WA-based MTC Insurance Agency Group is here to guide you through the process.

Unveiling the SR-22 Certificate

The SR-22 is a document filed by your insurance company to the state, certifying that you hold the bare minimum auto insurance coverage obligatory under Washington law. Frequently, states require SR-22 to either reinstate or maintain a driver’s license after one or more serious traffic offenses, such as a DUI conviction, reckless driving, or operating a vehicle without insurance.

It’s crucial to note that SR-22 isn’t insurance per se. It’s simply a certification appended to your existing auto insurance policy, which is commonly referred to as "SR-22 insurance."

Who Requires an SR-22?

Drivers who have committed severe traffic offenses may be required to file an SR-22 in University Place, WA. The mandate may arise from incidents like at-fault accidents without insurance coverage, repeated traffic offenses in quick succession, or a conviction for driving under the influence of drugs or alcohol.

The order to hold an SR-22 usually lasts for a specific period, typically three years. However, depending on the severity of the offense and the state’s determination, the duration could vary.

Assistance with SR-22 Requirements from MTC Insurance Agency Group

The MTC Insurance Agency Group team is committed to helping clients navigate the SR-22 process. Our agents assist with securing appropriate auto insurance, requesting the SR-22, and ensuring it’s filed correctly with the state. Reach out to us if you need an SR-22—we’re here to simplify the process for you.

Commercial Insurance – Protection Against Natural Disasters

Safeguarding Your Business with Commercial Insurance

Having a robust commercial insurance policy becomes paramount in protecting your business from the potential destruction caused by natural disasters. Ensuring adequate insurance coverage begins with evaluating your company’s risk profile and taking the necessary preventive measures.

Evaluating Structural Integrity

An aging or damaged building structure could weaken further during inclement weather conditions, opening your business to potential hazards. Proper insurance coverage helps absorb the financial shock associated with such unforeseen damages.

Analyzing Weather Patterns

Take into account typical weather patterns and historical weather events when deciding the extent of your insurance coverage. Previous extreme weather events might point towards a higher chance of recurrence in the future, signaling the need for increased insurance.

Boosting Security Measures

Before extending your policy, make efforts to bolster your commercial property’s security systems. Surveillance equipment can monitor your business remotely and added indoor and outdoor lighting can enhance safety. A well-maintained and secure property often positively influences insurance premiums.

Consultation with MTC Insurance Agency Group

Insurance is an intricate domain, and understanding its nuances can be daunting. Our agents at MTC Insurance Agency Group are happy to guide you through the complexities. Serving the University Place, WA, area, we aim to ensure you have the proper commercial insurance documents appropriate for your business needs.

Navigating Home Insurance: What to Know

When you live in University Place, WA, you already have most of what you could ask for – stunning views and a thriving community. Your home insurance should offer you peace of mind, too, and at MTC Insurance Agency Group, we can help you navigate the process to ensure you have a policy that you can rely on.

The Need for Personalized Home Insurance

Just as you personalize your home, your insurance coverage deserves the same level of care. You’ll want to consider such things as the value of the home, the value of your furniture and personal belongings, as well as any situation that would cause you to file a claim.

The more you take into consideration, the easier it is to build a policy that will take care of any situation that may arise. This way, if something happens, you can file a claim confidently knowing that it won’t bankrupt you.

Don’t worry, though – there’s no need to do this on your own. One of our experienced agents can work with you every step of the way.

Getting a Policy That Offers Real Protection

Every home insurance policy in University Place, WA will incorporate a few of the same things – coverage for the dwelling, liability, personal property coverage, and coverage for additional living expenses.

How you build your policy to cover everything that could and may happen is up to you – and getting guidance from an insurance agent ensures you get sufficient protection.

At MTC Insurance Agency Group, we’re here to get quotes from some of the top insurance companies that offer coverage in Washington. We’ll go over the details of the policy, talk to you about potential out-of-pocket costs when you file a claim, and ensure you get the best price on your insurance premiums.

Give us a call today to let us help you navigate home insurance for your home in University Place, WA,

How An Umbrella Policy Can Protect You

Being sued can ruin a person’s finances. Learn how an umbrella policy can protect you. Then, purchase an umbrella insurance product that is suited to your needs.

Umbrella Policy Protection

An umbrella insurance policy can be purchased by a homeowner or a business owner. The level of protection that this type of policy provides can be customized. An agent will assess your personal situation and advise you on how much coverage you will need.

The purpose of an umbrella insurance policy is to cover costs that a standard liability insurance policy does not cover. This type of coverage can be lifesaving, especially if a client has limited funds and cannot afford to be presented with a legal battle that will cost a lot of money.


MTC Insurance Agency Group in University Place, WA will show you various umbrella products that may be of interest to you. We will outline the manner in which each policy could benefit you.

You will also learn about what to do in case you need to file an insurance claim. Your consultation will provide you with the basic information that you need to help you choose the amount of coverage that you would like your new umbrella insurance policy to provide you with.

Call Today To Discuss Your Options

Now that you have reviewed some information about umbrella insurance policies, feel free to reach out to one of our agents. Contact us at MTC Insurance Agency Group serving the greater University Place, WA community.

What is covered by my condo insurance?

Living in a condo is a lot like living in an apartment, except that you have a property interest. There are multiple insurance policies protecting your University Place, WA dwelling. One is carried by the homeowners association, and the other is carried by individual unit owners. It is important to understand how important it is to carry condo insurance and what is actually covered under your policy. MTC Insurance Agency Group can help with that.

The HOA Insurance

Your homeowners’ association carries insurance on the common areas, such as hallways, playgrounds, or pools. Individual condominiums are either part of a complex or part of a building that holds separate units. The HOA insurance will protect the building itself and is usually paid for through HOA dues.

Your Condo Insurance

Your individual condo insurance protects everything within your walls from certain named events, such as fire, burglary, vandalism, or storms. This includes:

  • Your rugs, carpeting, and window treatments
  • All small and large appliances
  • Furniture
  • Electronics, such as TVs, phones stereos, and computers
  • Clothing
  • Miscellaneous items like books 

There are exceptions about what may be covered, and you may need extra protection for some items, such as expensive musical instruments, jewelry, and fine artwork.

Liability Insurance

As part of your condo insurance, you also have liability protection. That means that, for instance, if someone is injured while visiting you, your condo insurance protects you in case of a lawsuit. That includes legal assistance. If someone is injured in a common area, the HOA insurance should cover it.

Reach Out To Us

If you have any questions about University Place, WA condo insurance, or if you would like to find the policy that best suits your needs, please feel free to call MTC Insurance Agency Group today.

How Collision Coverage Works

When you get auto insurance, it will come with a number of different types of coverage. There are types of coverage that are required by the state, and then there are others that aren’t required but that are very much needed. Collision coverage is a type that isn’t required, but no driver should be without it. When you need auto insurance, call us at MTC Insurance Agency Group in University Place, WA to find out more and get started. 

Collision Coverage

When you use your liability coverage in your auto insurance policy, it pays for the damages that happen to the other people in the accident. It doesn’t cover your own damages. Bodily injury liability pays for the medical bills of the other parties. Property damage liability pays for the damage that was done to their vehicle, building, or other property. Both of these have to be in place in case you cause an accident. However, if you only have these overage types, the damage to your own vehicle won’t be covered if you cause an accident. That’s why there’s collision coverage. It pays for the damage to your vehicle so that you can get the repairs you need. 

Protect Yourself

If you don’t have this type of auto coverage, it could mean serious financial difficulties after an accident. When you’re judged to be at fault, you wouldn’t have any coverage to take care of those bills and would have to pay them all yourself. If your vehicle is totaled, you may not be able to replace the vehicle because of the cost. It’s always safer to have collision coverage just in case you’re the cause of an accident. 

Get Auto Coverage

For collision coverage and any other type of auto coverage, you can call us at MTC Insurance Agency Group in University Place, WA. 

Does your home business require commercial insurance?

Basing your business in your home is becoming more and more common. It allows you to start a business without having to invest in a building or a rental location. You may already have an office at home, and it can be converted to business use inexpensively. At MTC Insurance Agency Group in University Place, WA, we understand the risks that all small businesses face and those that are home-based need to have the right type of commercial insurance. 

Commercial Insurance Coverage Options

Commercial property insurance

When your home is the property where your business is located, you may assume that your home property insurance will protect you. That is not likely to be the case. Commercial property insurance also covers the things you use for business and home content insurance will not cover your business content. It is very important to protect your business assets, and it takes commercial property insurance to do that. 

Commercial liability insurance

If you are having customers or clients visit, you are your home you are taking a major risk. If they are injured, they may decide to sue you. If they do, your home insurance liability will not cover you. It doesn’t cover those visiting for business. You could also be sued by a client who is unhappy with the product or service you provided. You need commercial liability insurance to protect you. 

Commercial auto insurance

If you need to deliver products or use your personal vehicle for business purposes, it is necessary that you have commercial auto coverage since personal auto insurance does not protect you if your vehicle is being used for business. 

Consult With Us

Contact MTC Insurance Agency Group in University Place, WA when you need our help with your commercial insurance needs. We can recommend the kinds of coverage that best fit your business.