Texas Roadhouse? Ask about our Gift Card for Referrals Program. GO SEAHAWKS!
Work, Live and Spend here in Whatcom County
1/14/2026- We saved an HOME policy insured $500 by simply BUNDLING their AUTO and $500 less for AUTO ---Ask about BUNDLING!

Texas Roadhouse? Ask about our Gift Card for Referrals Program. GO SEAHAWKS!
1/14/2026- We saved an HOME policy insured $500 by simply BUNDLING their AUTO and $500 less for AUTO ---Ask about BUNDLING!


Send us a referral for a Home and Auto Quote, both of you receive one. Hit link below:
Do you have protection from your premiums rising after using your insurance?
Ask about our CLAIMS GUARD-
Do you have a policy that will actually pay retail replacement value to you if your car or truck (7 years or younger) is a total loss in an accident?
Ask about the AUTO REPLACEMENT ENDORSEMENT and if its right for you-
If you drive for UBER or LYFT we offer a RIDE SHARE endorsement for a few bucks a month (less than $5)- call us to see if you qualify.
We are now offering life insurance up to $400,000 without a medical exam requirement. Cannabis and Cigar use is not considered tobacco use for premium purposes with some of our carriers. Inquire when you call.
I started in the insurance & investment world in 1997 licensed with a series 7, life & health, and am still licensed today.
As our customers needs have grown we added a tenured expert & partner, Wayne Reed, who as a Personal Financial Advisor with Allstate Financial Services can assist those who need help navigating especially if they do not already have someone to assist them. He has been helping customers for decades and we completely trust his process and the solutions he may advocate. You are welcome to contact him directly at 631-644-6461 or wareed@allstate.com
Small Group Medical Insurance can be challenging to find. In 2025--We had a small plan that paid some 250% more than the premiums collected. The plan was offered a renewal with a few changes given the severity of the claims made and paid. Surprisingly simply and flexible for small businesses.
NOBODY says "I want the cheapest surgeon" ever! If you need a hip or knee replaced you want the best surgeon NOT the cheapest. In the case of insurance no one thinks they are being cheap making price the priority rather than the "best". Its fair to say value is not important until the insurance you thought you had may not work as anticipated.
Dean Winters (Mayhem in the Allstate ads) "Your cut rate insurance may NOT protect you from Mayhem , like me".
What do you call the student who graduates last in his medical school?
DOCTOR!
Cheap insurance may just be the same, dead last not the Best. Interested in Better or Best call us- 360-746-7785.







We are glad you are here. I have been part of the Insurance and Financial Services industry since 1997. The one constant has been changes to Auto Insurance and Home Insurance . Now more than ever it is important to have someone with knowledge & experience assisting you and your family with your protection needs, a Local Insurance Agent.
Re
We are glad you are here. I have been part of the Insurance and Financial Services industry since 1997. The one constant has been changes to Auto Insurance and Home Insurance . Now more than ever it is important to have someone with knowledge & experience assisting you and your family with your protection needs, a Local Insurance Agent.
Recently we have found more and more of our insured looking for income strategies for retirement. Wayne Reed, our personal financial representative has been assisting those in need of solutions. Contact us and we will have Wayne reach out.

Kari comes to us with 30 plus years of practical life experience, specializing in food & hospitality, and now a Local Insurance Agent
Kari possesses the unique ability to find the good even in the toughest situations, always smiling and ready to help!
She was a free agent pick up when Scott Richardson, a 40 plus year agent retired, where sh
Kari comes to us with 30 plus years of practical life experience, specializing in food & hospitality, and now a Local Insurance Agent
Kari possesses the unique ability to find the good even in the toughest situations, always smiling and ready to help!
She was a free agent pick up when Scott Richardson, a 40 plus year agent retired, where she had been his right hand for some time before joining us. She really shines providing quotes for Auto Insurance and Home Insurance.
She is an active member and ambassador of the Bellingham Chamber of Commerce call her for a contact in any business as she probably has an idea for you.

As a financial professional I work with individuals, families and business owners to identify their needs for protection, investment and retirement strategies'. I focus on the clients goals both for today and the future to advise on plans that enable them to achieve financial security and protection of their assets.
Please note that curr
As a financial professional I work with individuals, families and business owners to identify their needs for protection, investment and retirement strategies'. I focus on the clients goals both for today and the future to advise on plans that enable them to achieve financial security and protection of their assets.
Please note that current regulatory policy does not allow me to receive endorsements of Skills & Expertise. * Registered Representative of, and Securities and Investment Advisory services offered through Allstate Financial Services, LLC. Registered Investment Advisor, Member FINRA/SIPC, 3667 W Fifth St Oxnard, CA 93030.
Please note that current policy does not allow me to receive endorsement of skills and expertise.

So often we look & compare the similarities in making a decision on what is a good value. A wise woman once told me its the unique qualities not similarities that are the true measure of a good value.
Do I have enough home insurance to protect my assets?
If I have an car accident do I have enough coverage on my Auto Insurance OR am I simply abiding by the state minimum requirements?
Life Insurance, Boat Insurance, RV Insurance, Motorcycle Insurance, Umbrella Insurance, Course of Construction Insurance, Commercial Auto Insurance, Business Insurance, Landlord Insurance, Renters Insurance, Electric Bike Insurance, Pet & Specialty Insurance
These are the policies we provide to protect you along the way.
Every year in Whatcom County, a windstorm wreaks havoc on many of our insured and their homes.
One family in Bellingham had their neighbor's trampoline fly out of one yard into hers and damaged many windows.
Who is responsible for the repairs, you or the neighbor?
This short video took place at my previous Lake Stevens home, 13 days after I acquired my agency, Nov 13, 2017. All the power, cable, internet may have been knocked out by these mammoth trees but the house was spared. Watch to the end as I promise you will see something you will likely never see again in your lifetime. This video has had over 7 million FB views at the time of this posting.

I am always amazed that so many families do not know that reasonable priced exceptional coverage plans are available for just about any monthly budget. Both Harlie and Tank, pictured here have had a plan since soon after they were brought home from Baker Winds Goldens here in Whatcom County. Ask us about EMBRACE today.
ASK ABOUT HAGERTY FOR CLASSICS
Many of you may have a classic car or boat that needs protection that also preserves the collectability value for you.
Additionally Hagerty will also insure newer vehicles for less that are not daily driven automobiles. Maybe you have a truck or sports car that gets used an average of a couple nice weather days a month. Ask about how much we can save you on that gem.
How much replacement cost for my auto, do I have? Get peace of mind, that you are covered.
Only use your boat during "sunny" months. Find out how your coverage works, and how much you need.


Spencer Young,. O.D.
1633 Birchwood Ave, Ste 105
Bellingham, WA 98225
360-526-0075

Full service grooming, self wash & pet supplies 7 days a week
1633 Birchwood Ave, Ste 104
Bellingham, WA 98225
360-733-9274
baileysneighborhoodpet.com
Locally owned and operated since 2000.

David Pillinger, a local time resident of Bellingham, Editor and Publisher, has been a great advocate to our community. Always looking for subject matter for stories about what make our communities great.

If you are one of our insured and would like your business listed we are happy to add you to our directory.
Send us a picture and your contact info to get you added.
Monday - Friday: 9am - 5pm
Saturday: Closed
Sunday: Closed
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