Testimonials
"Recently Spokandy made the switch from a local broker of over 20 years to Ed Lewis of Stonebraker-McQuary. A transition that should have been difficult was made easy by Ed. Mr. Lewis not only made personal recommendations to my current policy but he saved me a good amount of money. A great policy for less money...that is what any small business needs. Thanks, Ed!"
Todd Davis, President, Spokandy Chocolatier
"Insuring with Stonebraker McQuary saved me over 40% on my auto insurance."
Mike Powers, Orofino, ID
"By spending the time to research my insurance needs, Stonebraker McQuary saved me $287 a year on my car and home insurance."
Richard Woodford, Clarkston
Is That Detached Structure Really Insured?
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.
A homeowners policy usually provides coverage for detached structures, such as a garage or shop building, equal to 10% percent of the value of the home. But if that detached building is used for business in any way, there is no coverage; even incidental use like storing business equipment or inventory. Business use is some activity where you make money or make a trade in value for your service, even if there are no customers visiting the premises. The same exclusion applies to a detached structure which is rented for residential purposes, like a guest house or apartment. That small business requires special insurance to cover the building, equipment, inventory and liability exposures. So if you are painting cars, building birdhouses, a contractor, or have an apartment, office studio, school, day care, etc. You need special insurance. Give us a call to get a quote today.
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