October 2025 Newsletter
PNW Fall Prep | Agency Happenings | Deer Season Driving Tips | Kitsap County Pumpkin Patch Guide | Recipe of the Month
Hi friends!
October is one of our favorite months. Cozy sweaters, pumpkin spice everything, and the best excuse to light a candle at 5pm because it’s already dark outside. But it’s also the season for unexpected “surprises”: wet leaves, slick roads, deer on the move, and storm prep for your home. This month’s newsletter has a little bit of everything: coverage tips, local love, and a recipe you’ll actually want to try.
Grab your coffee (pumpkin spice optional) and let’s dive in.
— Megan and the Timm Insurance Team
Coverage Tip: Deer Season Driving
If you’ve lived in Kitsap long enough, you know that fall is deer season on the roads. The days get shorter, the fog rolls in, and suddenly those early morning and evening commutes get a little riskier. What most people don’t realize is that deer-related collisions aren’t covered under “collision” at all — they fall under your comprehensive coverage. And here’s another fun fact: deer almost never travel alone. If you see one bound across the road, it’s a safe bet another is right behind.
Now’s the time to make sure you’ve got the right coverage in place before Bambi meets your bumper. If you’re not sure, let us take a quick look. It’s much easier to check a policy than to check into a body shop.
Seasonal Homeowner Checklist
There’s nothing cozier than being inside on a stormy October evening — unless you suddenly discover water pouring in through your ceiling. Fall is the perfect time to give your home a little attention before the Pacific Northwest weather really kicks in. Cleaning out your gutters, checking your roof for loose shingles, and making sure your chimney is safe before that first fire can save you from a whole lot of trouble later.
And while you’re ticking off your fall prep list, it’s smart to review your homeowner’s policy too. Storm damage, tree branches, and leaks don’t wait until you’re ready. A quick review now can mean peace of mind all season long.
Coverage Spotlight: Umbrella Insurance
Umbrella insurance has one of those names that makes it sound like an extra luxury, but the truth is it’s one of the most practical coverages out there. Think of it as a safety net that kicks in when your standard auto or homeowners policy reaches its limits. Picture a major car accident, a lawsuit, or someone taking a bad fall on your property, situations where costs can skyrocket quickly.
An umbrella policy steps in to cover what your base policy can’t, and here’s the kicker: it usually costs less per month than your favorite coffee order. For something that can protect your home, savings, and future, that’s not just smart - it’s a steal.
Fall in Kitsap
Fall in the Northwest is all about crisp mornings, cozy sweaters, and of course—pumpkin season. Whether you’re looking for the perfect pumpkin, a family hayride, or just a fun day outdoors, Kitsap County and the surrounding area have plenty of farms ready to welcome you. Here are some local favorites to explore this October.
Suyematsu Farms (Bainbridge Island)
Location: 9229 Day Rd, Bainbridge Island
Hours: September 27–October 31. Monday–Friday 1–6 PM, Saturday–Sunday 10 AM–5 PM
Cost: Pumpkins and produce priced individually
Details: Tractor rides, kiddie hay maze, ornamental corn, and a huge selection of pumpkins. Leashed dogs welcome.
Website: suyematsufarms.com
Hunter Farms (Union – Hood Canal, just outside Kitsap)
Location: 1921 E State Route 106, Union
Hours: Open daily during October
Cost: Around $5 admission (children under 2 free)
Details: Pumpkin patch, tractor rides, corn maze, barn animals, and farm store.
Website: hunter-farms.com
Fat Turnip Farms (Kingston)
Location: 9701 Norheim Way, Kingston
Hours: Daily 10 AM–5 PM during October
Cost: Free admission, pay for what you pick
Details: U-pick pumpkins, farm stand produce, photo spots, and a rustic autumn farm atmosphere.
Website: https://www.facebook.com/fatturnipfarms/
Creek House Farm (Manchester/Port Orchard)
Location: Manchester area (directions available on their website)
Hours: October 1–31, by ticketed appointment
Cost: $7.50 per person (ages 2 and older)
Details: Pumpkin barrel train, farm animals, giant slide, forest puzzles, and heirloom pumpkins.
Harbor Farms (Gig Harbor – nearby)
Location: 7777 Rosedale St NW, Gig Harbor
Hours: September 26–October 26, Fridays through Sundays (reservations required)
Cost: See website for admission prices
Details: Pumpkin patch, petting zoo, western-themed play area, and outdoor games.
Tip: Always check each farm’s website or social media before heading out. Hours, ticketing, and availability can change quickly this time of year.
