Because with complex assets, you deserve much more than ‘one-size-fits-all’ answers.
When you own multiple properties, operate a business, and enjoy everything from boats to backcountry snowmobiles, you need more than just an insurance agent—you really need a strategic partner who’s got your back.
Someone who can navigate cross-state requirements, bundle your policies smartly, and be on your side when the unexpected happens.
At Kraft Insurance, we work with clients across Washington and beyond who live life fully—and expect their coverage to keep up. Whether you’re reviewing your portfolio or vetting a new broker, here are five questions every experienced policyholder should ask:
1. “Can you coordinate my coverage across multiple states & property types?”
Not all brokers are equipped for complexity. If you own a primary residence in Spokane, a vacation home in Idaho, and a rental in Arizona—or manage business properties too—you need an advisor who understands the nuances of each state’s laws and risk factors. Ask how your broker handles multi-state coordination, and whether they’ve dealt with similar portfolios.
2. “How do you tailor policies to protect seasonal & recreational assets?”
Jet skis in the summer, snowmobiles in the winter, a camper for national parks, and a wake boat for the lake—your lifestyle doesn’t fit in a checkbox. A skilled broker won’t just insure these items individually; they’ll make sure your umbrella liability and specialized riders align with how you really engage with them. Ask how they approach coverage for your toys—and the people who use them.
3. “Will you proactively review and optimize my coverage as life evolves?”
We both know you don’t have time to chase down policy gaps. A premium broker will keep track of what’s changing — your latest acquisitions, asset transfers, ever-evolving business needs—and come to you with solutions. This is to be expected. So, when shopping for an independent broker, ask how often they review your account, what triggers a check-in, and whether they’ll take the initiative to flag exposure before it becomes a problem.
(BTW, we will – so give us a call at 509-343-5555 and schedule your first face-to-face consultation).
4. “Can you I.D. strategic bundling or coverage efficiencies across my portfolio?”
With multiple policies—including home, auto, watercraft, commercial, and umbrella—it’s not just about having coverage; what counts is how those pieces work together.
Ask how your broker consolidates or streamlines coverage across carriers. Can they maximize discounts without leaving gaps? Can they help you avoid overpaying for overlapping policies?
5. “What kind of support can I expect when something goes wrong?”
Experienced policyholders know that claims are where a broker’s value truly shines—or falls apart. You want someone who knows the adjusters by name, who can step in during a crisis, and who isn’t afraid to advocate on your behalf.
Ask re: their hands-on involvement during claims and what clients typically experience in a crisis.
When the details matter, so does your broker.
You’ve worked hard to build a full, dynamic life—and your insurance strategy needs to reflect that. A broker should be as capable as you are, and they need to offer expertise that creates a difference.
At Kraft Insurance, we specialize in protecting high-value assets, active lifestyles, and entrepreneurial ventures with customized solutions that span states and seasons.
Let’s talk: Contact Kraft to set up the time that works best for you.
