November 2025 Newsletter
Kitsap Shutdown Resource Guide | Cold-Weather Home Prep | Agency Updates | Thanksgiving Travel Tips | Recipe of the Month
November is officially here. Between pumpkin pie, shorter days, and holiday prep, it’s easy to let insurance tasks slip. But a few minutes now can save a ton of stress later. We’re talking home, auto, life, and business coverage. Basics + bonus tips to make this month easier, safer, and maybe even a little more fun
Support for Kitsap Families Impacted by the Government Shutdown
Hey community, we see you. With the federal government shutdown impacting many of our neighbors, especially in Kitsap County where a large portion of our workforce is federal or contractor‑based, we wanted to share local resources so you don’t feel alone in this.
Helpful local resources you can use right now:
Central Kitsap Food Bank (Silverdale)
Address: 3537 Anderson Hill Rd., Silverdale, WA 98383.
Phone: (360) 692‑9818
Hours for clients: Monday–Friday, 10:00 AM–1:15 PM.
Donations accepted: Monday–Friday, 9:00 AM–2:00 PM.
Services: Free grocery‑style shopping, fresh produce, senior home‑delivery in some cases.
Tip: If you’re working late or need curb‑side, call ahead (they offer it by appointment). Central Kitsap Food Bank
South Kitsap Helpline (Port Orchard)
Address: 1012 Mitchell Ave., Port Orchard, WA 98366
Phone: (360) 876‑4089
Food‑bank hours: Mondays, Tuesdays, Thursdays & Fridays (check each week) 11:00 AM–5:00 PM.
Services: Weekly shopping allowed, fresh produce + non‑food essentials (diapers, hygiene items).
Tip: If you can't make normal hours due to your work schedule, call ahead—they’ll try to arrange a different time. skhelpline.org
Fishline – North Kitsap
Address: 19705 Viking Ave NW, Poulsbo, WA 98370
Hours for Healthy Foods Market: Monday–Saturday, 10 am–5 pm.
Services: Grocery-style food bank with fresh produce, meat, dairy & canned goods; emergency/utility assistance & a full partner-agency service center.
Website: fishlinehelps.org Fishline
Kitsap Transit – Free Transit for Federal Employees
During the shutdown, federal employees showing government ID can ride free on bus, ferry, paratransit & van‑pool services. kitsapsun.com
Tip: Makes commuting easier if you’re still reporting for duty or facing reduced pay/benefits.
Homeowners & Renters – Winter Ready Tips
Cold weather is creeping in, and your home deserves a little TLC:
Pipes & plumbing: Insulate exposed pipes and let faucets drip during freezing nights. A tiny drip beats a flooded basement.
Roof & gutters: Leaves and early snow can clog gutters—make sure water drains properly.
Smoke & CO detectors: Test and replace batteries. This is one thing you really don’t want to skip.
Emergency kit upgrade: Flashlights, batteries, blankets, canned food, and a few local hot cocoa packs. Bonus: label a small kit for your car too.
Local tip: Bainbridge Island neighbors, now’s a great time to check your chimneys before winter fires up.
Your homeowners or renters policy protects more than your stuff—it’s peace of mind when the unexpected hits. Not sure if you’re fully covered? That’s exactly why we exist.
Holiday Travel Ready
Thanksgiving road trips are on the horizon. Here’s how to roll stress-free:
Check your vehicle: tires, lights, oil, fluids. The little stuff prevents big headaches. Make sure your insurance card is accessible, and if you don’t have roadside assistance, consider adding it before hitting icy roads. Plan extra travel time—it’s safer and less stressful. And don’t forget a spare blanket and a few snacks—it’s cozy and smart.
Small Business – Year-End Check-In
Business owners, November is your cue to review: liability coverage, employee protection, and property/equipment updates. Make sure any new products, services, or equipment are documented. If you’re a Kitsap County small business, consider joining a local chamber or co-op event before year-end—these networking opportunities can uncover insurance considerations you didn’t know you needed.
Bonus November Tip – Mind the Details
Update contact info on all policies, review billing schedules before the holidays, and make a “coverage snapshot” folder with policy numbers, agent contacts, and claim info. Trust us, you’ll thank yourself.
Ready to review your coverage? Have questions about your home, auto, life, or business insurance? Hit reply, call 206-842-1603, or book online. We’ll make sure you’re ready for November—and beyond.
Stay cozy, covered, and confident,
Megan + the Timm Insurance Team
