ProStar Insurance

Which type of life insurance is right for you? There are two very different paths.

Term life covers you for a set number of years. It can make sense when you’re protecting income, a mortgage, or children who still depend on you.

Permanent life is built to last for your lifetime, as long as you meet the policy requirements. It may fit longer-term needs.

Neither is automatically better. The question is: What do you need your coverage to protect—and for how long?

In a 2025 study, 61% of people without life insurance said they need it, and 19% of people with coverage said they need more. Source: LIMRA and Life Happens⁠

Not sure what kind of coverage fits your life? ProStar can help you sort it out. DM us and we”ll send a link for a quote.

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If your drone crashes and damages someone else’s property, your homeowners insurance usually covers it.

This falls under liability, and it can pay for the broken window, repairs, and even medical bills if someone gets hurt.

Most homeowners policies come with at least $100,000 in liability coverage.

That sounds like plenty, until you remember it also has to cover any legal fees if you get sued. It can run out fast.

Here’s the part that surprises people:

Homeowners insurance covers the accident. It does not automatically cover your own drone.

If it’s damaged in the crash, that’s treated as personal property, and only certain causes are covered.

A crash from your own mistake often isn’t one of them. If you have an expensive drone, you may need a separate policy just for the drone itself.

And you’re most likely you’re flying outside, so you’ll want to read this:

Drones flown outdoors have to be registered with the FAA before you fly.

It’s a small step, but skipping it can complicate a claim if something goes wrong.

Before your next flight, know what your policy actually covers. ProStar can walk you through it.

Sources: Insurance Information Institute, WSR Insurance


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If your son or daughter has a parking lot fender bender, who pays?

Washington is an at-fault state.

Whoever caused the crash is on the hook for the damage.

This applies in a school parking lot the same as it does on the highway.

Washington law requires drivers to carry at least $25,000 per person and $50,000 per accident for injuries, plus $10,000 for property damage.

That sounds like a lot until you’re the one paying it.

A moderate fender bender can run over $15,000 in repairs alone.

If your teen causes a crash that costs more than the minimum covers, you might have to pay for the rest.

What happens when two cars collide in a lot-

If your teen is at fault, their liability coverage pays for the other car’s damage. It does not pay to fix your teen’s car.

That’s what collision coverage is for, and it’s optional in Washington, not required.

If the other driver is at fault, their insurance is supposed to cover your damage.

But parking lots rarely have police reports or witnesses, so fault can be harder to prove than it looks.

And a big issue can be what happens if your teen causes a crash that goes past your policy’s limit.

That gap becomes your responsibility, not the insurance company’s.

Before the school year gets going, know your teen’s coverage and what happens if they’re in a fender bender at school.

ProStar can walk you through it.

Sources: Nolo, Buckley & Associates



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