Motor Vehicle

• Auto Insurance
  All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Mount Vernon, Washington, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
• Motorcycle Insurance
  We are a Washington based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in Washington to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote.
• Boat Insurance
• RV Insurance
  Contact us to find out more about recreational vehicle insurance in Mount Vernon, Washington including the Anacortes, Bellingham, Burlington, Marysville, and Oak Harbor areas.
• Mobile Home Insurance
  We pride ourselves in customer service with the lowest possible rate. Just contact us today at 360-424-3000 to find your next Washington mobile home or manufactured home insurance policy. We service mobile home insurance policies in Mount Vernon, Washington including the Anacortes, Bellingham, Burlington, Marysville, and Oak Harbor areas.
• ATV Insurance
  We can help you find the right coverage for your special vehicle to protect your investment depending on the vehicle type. Our insurance professionals can work with the carriers and their special requirements for ATV insurance & assist you in finding the right coverage at a competitive rate.
• Inland Marine Insurance
  Washington Inland Marine insurance was first created to cover goods transported over water. Now this policy has expanded to cover goods on land and is offered for Commercial or Personal property.
• Truck Insurance
  Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at Brayer Insurance Services will help you find the best coverage you need for your business.
• Jet Ski Insurance
  Consult with one of our professional agents at Brayer Insurance Services to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include...

Property

• Renters Insurance
  You may be speculative why it's necessary to hold a renters insurance. Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renters insurance in most cases is extremely cheap.
• Home Insurance
  Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don't rely on the federal government to assist you in the event of a massive flood situation.
• Condo Insurance
  Condo Association insurance can help but it often is meant for the building itself rather than what's inside. This is where a condo insurance policy is different from a homeowners policy because you usually will just need to cover the valuables inside your condo.
• Landlord Insurance
  Landlord Insurance can protect you from any financial loss that may occur to your rental property from accidents, injuries or lawsuits. Since landlord insurance is very cost effective, it is always a good idea to be protected in case of a loss.

Health and Life

• Life Insurance
  Deciding on the right Washington Individual Life Insurance policy usually depends on your future goals. Whether you wish to provide a tax free income for your beneficiaries, have funds for the payment of the final expenses or estate taxes, replace the income that is lost if you die, or provide a significant charitable contribution, we can help you chose the policy that will fit your needs at an affordable price.
• Health Insurance
  With so many different options, deciding on the right Washington Health Insurance can be confusing. But with the changing laws and the cost of healthcare on the rise, you can't afford to take chances with the health of you and your family members. If an accident or illness strikes, paying high medical costs out of your own pocket can be a financial disaster. If your employer does not offer an adequate health benefit package, or you are self employed, unemployed, retired, or a student, we can help you sort through the maze of different insurance options and find the right plan at a price you can afford.
• Disability Insurance
  An individual disability insurance policy is a good way to cover income losses even with those who have some employer-paid coverage. Typically, disability premiums paid by you are not taxes but employer-paid benefits are. There are 2 types of individual disability insurance policies - long-term and short-term.
• Long Term Care
  In general, if you can't perform daily activities because of an impairment as a result of chronic illness or disability, you will need long term care. This would include the assistance you could need if you are unable to take care of yourself for a long period of time. However, some people who need help with these daily activities may only need them for a few months.

Business

• Business Insurance
  Just give us a quick call today at 360-424-3000 or submit one of our quick online quote forms. Having a variety of top insurance companies available, we can conveniently offer a complete solution for all your personal and business insurance needs.
• Commercial Property Insurance
  Commercial Property insurance covers the building that your business owns or rents. A Washington commercial property insurance policy would also cover equipment, computers, tools and furniture. Let the agents at Brayer Insurance Services evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.
• Workers Compensation Insurance
  If your farm or ranch is a business as well, you may want to consider other additional coverages like loss of income, workers compensation, commercial auto and errors and omissions. The different options and coverages for a farm & ranch policy can be confusing, so having an independent agent is advantageous to explain the details.
• Commercial Liability Insurance
  Commercial Umbrella Insurance is intended to pick up where your General Liability, Commercial Auto or Employer's Liability policies leave off. So, your Commercial Liability policy won't "kick in" until your other policy limits have been reached. Not having enough coverage for your business in Mount Vernon, Washington and surrounding areas could leave your business vulnerable.
• Professional Liability Insurance
  Professional Liability Insurance or PLI is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and if the claim results in monetary damages can be catastrophic.
• Builders Risk Insurance
  A builders risk policy protects builders and contractors from losses to property and financially in the event of an incident. Losses may occur to the property or structure but may include the materials used on the job site. Our agency can help protect you in the event of a fire, flood or theft. You may also opt to have additional coverage in the event of losses due to project penalties or unexpected costs, like taxes.

Personal

• Liability Insurance
  Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.
• Pet Insurance
  Pet insurance would cover expenses with your pet, dog or cat may have unexpected medical bills. Our pet insurance providers will reimburse your pet expenses after your pet is treated at the veterinarian. Pet Insurance has become more popular as the recent advancements in veterinary medicine are helping pets live longer, but many times these treatments can be costly.
• Jewelry Insurance
  There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at Brayer Insurance Services can help you understand your other risks and help you evaluate whether you may need additional coverages in your Washington home insurance plan.

Natural Disaster

• Flood Insurance
  Your standard Washington flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.
• Earthquake Insurance
  At Brayer Insurance Services, we can protect your Washington property with earthquake coverage. We realize that earthquake insurance is necessary in Washington, so we will shop multiple companies to find the policy best suited to your needs.