Category: Insurance

Anyone who owns a home or a business should have umbrella insurance.  In fact almost everyone should have umbrella insurance. This policy provides an extra layer of protection if you are sued for damages. But with so many different policies on the market, it can be challenging to know what to look for. This article will discuss some critical features of a good umbrella insurance policy. When you finish reading, you will know what to look for when shopping for this important type of coverage.

1. Liability Coverage

Liability coverage is one of the most important things in an umbrella insurance policy. This type of coverage will protect you financially if damages exceed your other policies’ limits. For example, let’s say you cause a car accident that results in severe injuries to another driver. If the other driver sues you and is awarded a large judgment, your umbrella policy would kick in and help pay for the damages.

2. Policy Limits

Another important consideration is the policy limits. This is the maximum amount your insurer will pay out if you are sued. Make sure to choose a policy with high enough limits to protect your assets, income and borrowing power in the event of a lawsuit.

3. Terms and Conditions

Before you purchase an umbrella insurance policy, be sure to read the terms and conditions carefully or have your agent explain them. Some policies have exclusions that could leave you without coverage in certain situations. Make sure you understand what is covered and what is not before you buy a policy.

Umbrella Insurance in Federal Way, WA

If you are looking for umbrella insurance, keep the above factors in mind. Hart Insurance offers umbrella insurance policies at affordable rates. Give us a call today to get a quote.

Comprehensive coverage is for those who want their pet protected from various health issues that may cause expensive treatments. This type of policy will typically cover your pet if they are sick or injured, treated for a condition they were born with or injured due to a car accident. For guidance, talk to Hart Insurance, the agency serving in Federal Way, WA. 

What Much to Know 

Comprehensive pet insurance may cover routine wellness visits with your veterinarian, prescription medications, routine vaccinations, surgery, emergency care, and even dental care. The cost of this type of insurance will depend on various factors, including your pet’s breed, age, and the kind of coverage you want. 

Comprehensive pet insurance protects your pet from unexpected accidents and illnesses; it’s like health insurance for your pet. It covers routine wellness visits, vet visits for accidents or illnesses, dental cleanings, medications, and other services. Most policies also cover a veterinary visit in case your pet is injured by another animal or person. Most policies also have a limit on annual expenses. 

Some plans may have a maximum benefit amount, while others may not have a limit. Most plans will cover anywhere from 70 to 100 percent of the cost of the claim, depending on the plan. You can purchase pet insurance as a standalone policy or as part of a homeowners or renters policy. 

Comprehensive pet insurance will cover most things, but there may be exceptions. For example, it is common for these policies not to cover surgeries for weight loss or allergies. They may not cater to certain pre-existing conditions or certain breeds, like snub-nosed dogs who are more likely to have breathing problems. 

Key Takeaways 

Many comprehensive pet insurance plans will also cover a portion of the cost of pet adoption and routine pet care such as pet food, vet visits for vaccinations, and preventative care. The insurance often covers pet boarding and a pet hotel in case of an emergency when you are not at home and have to leave your pet behind. For consultations in Federal Way, WA, check with Hart Insurance.

You can know your classic car’s worth by having it appraised. All parties involved in selling or purchasing these works of art need to have an appraisal done before making any decisions. Whatever the reason for the evaluation, Hart Insurance in Federal Way, WA is here to help you navigate the process. 

Get To Know Your Classic Car’s Value

A classic car evaluation often costs between $100 and $500. In some cases, a more in-depth assessment may cost more, including photos and a detailed written report on the vehicle following a comprehensive check. Expenses go up as the inspection gets more involved. 

Depending on where you live, the appraiser may have to charge you for travel time. Travel time could cost as much as $60 or $70 an hour. It may be more expensive if they have to stay over the night. Some classic and antique automobile evaluations cost more than $1,000.00, and the clients who hire these appraisers would soon say they save them money in the long run. 

There are various factors to consider when it comes to an appraisal price on an older classic, antique, or vintage car. You’ll have to pay extra for a valuable vehicle to get it properly evaluated. It’s the same rule if you’re trying to sell your car. Another critical incentive to have a decent evaluation is insurance. Quality insurance is necessary if you’re betting more than $40,000 on the outcome. 

Choosing the Right Classic Car Appraiser Is Essential

Car exhibits and auctions dedicated to classic, antique, and vintage automobiles are good to start for a high-end vehicle. Expert appraisers are usually on hand at car exhibitions to assist attendees in determining the value of their vehicles. 

Specialist vehicle auctions are no different. You can find them by asking around; someone will likely point them out and give you their thoughts. Expertise in the market and the automobiles that fall within it are what you are looking for. If you take shortcuts, you could have a lower or higher value for your car than its worth. Are you stuck? Call Federal Way WA right away at Hart Insurance.

Your RV is both a vehicle and a home. Each is unique, offering a variety of sizes, furnishings, and amenities. Hart Insurance knows that your RV insurance should be just as personalized.

Located in Federal Way, WA, our agents can build an individualized policy that’s right for you. Although any plan is customizable with several available options, Hart Insurance shares five coverages you should consider including in any RV insurance package.

Collision coverage

It’s as simple as it sounds. This covers any damage that results from a collision. Most vehicle policies will include collisions, and it applies regardless of who is at fault.

Comprehensive coverage

Any damage or destruction that doesn’t result from a collision falls under comprehensive plans. Although every policy will list covered events, this likely includes natural disasters, falling objects, and theft.

Liability

Liability is common in nearly every insurance policy. This is recommended for motorized RVs. But these cover you, not the vehicle. Liability reimburses for bodily injury, property damage, and legal expenses if you are determined to be at fault..

Uninsured or underinsured motorist

Other drivers on the road could pose a risk too. Be prepared. If you are involved in an accident with another motorist who has inadequate insurance, this kicks in. Property damage, injury payments, and even lost wages may be covered.

Personal Property

While most of this list applies to auto insurance also, personal property policies are the exception. This is much more similar to homeowners’ or renters’ plans. Your belongings on the inside of your ride are protected against theft, damage, or destruction.

Find an agent serving Federal Way, WA

Select an RV insurance policy that’s as unique as your vehicle itself. Hart Insurance can help find the ideal plan that best protects your interests. Schedule an appointment today.

One of the best ways to enjoy your watercraft in Federal Way, WA is investing in boat insurance from Hart Insurance. Watercraft insurance protects you and your boat from many perils including, accidents, fire, theft, falling objects, and so on. Regrettably, just like other insurance policies, your boat insurance has exclusions and exceptions — and knowing about these exclusions is crucial, especially when filing a claim.

Thought your boat insurance covers everything under the sun? I suppose you might be wrong. Here are the common risks that aren’t covered by your boat insurance.

Wear and tear

Like most things, your boat will start deteriorating over time. While boaters usually say that the more your boat is worn and weathered, the more you love it, your insurer won’t cover any replacements or repairs due to natural wear and tear.

Marine life

If your boat suffers damage from aquatic animals like sharks, whales, and octopi, it won’t be covered by your boat insurance. So, if you like sailing in waters habited by unruly creatures, you better talk to your insurance agent for a supplemental policy.

Pest and mold infestation

Your insurer expects you to take utmost care of your boat. As such, you won’t be compensated for any damage from pest and mold infestation. Luckily, you can consider periodic extermination services to keep pests away from your boat. Similarly, keep your boat clean and dry to keep mold in check.

Competitions

Your typical boat insurance doesn’t cover events like racing and stunting. However, if you want to participate in such activities, talk to your insurer about supplemental insurance.

Since boat insurance is wide, there is so much to learn about this coverage, and you might get lost if you try to figure it out on your own. Want to learn more about boat insurance? Please get in touch with Hart Insurance of Federal Way, WA.

You may have heard of umbrella insurance. Separate from your home or auto insurance, this type of coverage offers protection for your valuable assets. Since umbrella insurance is not as common as auto or home insurance, you may be unfamiliar with this type of insurance offered by Hart Insurance. Below, Federal Way, WA residents can get answers to some of the most common FAQs.

What Is Umbrella Insurance?

Umbrella insurance is supplemental to your standard insurance policies and offers an extra layer of liability protection. It offers additional protection on top of your regular policy by filling in the gaps and increasing coverage limits. When you are found at fault for an injury or property damage, the damages may exceed your policy’s limits, and this is where umbrella insurance comes in. 

What Does Umbrella Insurance Cover?

As mentioned, umbrella insurance provides an additional layer of protection when it comes to liability. This policy can be used to cover legal and court costs, settlement offers, etc. if you are sued for an accident on your property. It will also cover some of the risks that your other policy excludes, such as false imprisonment, defamation, and slander. 

How Does Umbrella Insurance Work?

Let’s assume someone sues you after an auto collision. Your auto insurance policy will cover the damages up to the policy limit. In the event the other party’s costs are more than this, you would ordinarily have to pay these expenses out-of-pocket. However, umbrella insurance covers repair costs, medical expenses, and legal fees that exceed your auto policy’s limit up to its own limit.

If you believe you could benefit from an umbrella insurance policy in Federal Way, WA, contact Hart Insurance today to speak to one of our insurance agents. We would be happy to answer any further questions you may have and help ensure you are sufficiently covered in the event of an accident.

Your classic car is one of a kind. It deserves insurance coverage that’s just as special.

Hart Insurance understands this more than most. Serving Federal Way, WA, the agency answers five common questions to help you find the right insurance for your vintage ride.

What is classic car insurance?

Classic car insurance is unique. These policies are highly specialized and tailored specifically for classic car owners. While many of the features are similar to traditional auto insurance, available options can be quite different.

How is classic car insurance different?

A key difference is that classic car insurance is considered "agreed valued coverage." This means that you and your agent agree on the car’s value when you purchase a policy. This value is often set by a professional appraisal.

What types of cars are covered?

Classic car insurance is also offered for antique, exotic, and custom cars. These are mostly determined by a car’s age and can fluctuate depending on the company. Modified or custom cars are sometimes tricky to insure. These alterations can be negative or positive for a car’s value.

Is my car eligible?

There will be restrictions on what cars qualify. In addition to meeting one of the above categories, drivers may face eligibility requirements too. Most importantly, classic car insurance holders must own another vehicle for daily use.

How much does classic car insurance cost?

Rates will vary depending on make, model, and mileage. However, classic car insurance is typically less expensive than regular coverage. This results from classic cars spending less time on the road and more time stored in a garage. Less driving equals less risk. 

Find an agent serving Federal Way, WA

Give Hart Insurance a call today. Their professional agents are waiting to "supe up" your classic car by providing a personalized insurance plan.

If you have an RV, you know how much fun it can be for the entire family. However, at the same time, like many things in your life, it is a significant investment. Because of this, you need to ensure that you have the proper insurance for it. Many Federal Way, WA residents have questions regarding RV insurance as first-time RV owners. Hart Insurance wants to help by providing answers to some of those questions below.

Is RV Insurance Required?

Since you will be driving your RV on the road, you will need to carry a certain amount of insurance on it. The amount of coverage will vary from state to state, so check with us at Hart Insurance to determine exactly how much liability insurance is required.

What Does RV Insurance Coverage Offer?

Apart from liability protection, you can also get collision and comprehensive coverage to cover damage to your RV, repair costs, and coverage for damage that occurs in a non-collision incident. You can also consider uninsured and underinsured motorist coverage to help pay for the damage in the event that you are in a collision with someone who does not have proper insurance.

How Much RV Insurance Should Be Purchased?

Ultimately, you should take into consideration the type of RV that you are insuring. For instance, a luxury RV will require additional coverage since it will cost more to repair/replace in the event of significant damage. In addition, you should consider the value of the items inside of the RV. Due to the fact that there are multiple variables that can affect the amount of insurance to purchase, you should make an appointment with an agent to discuss your individual situation and needs.

What Kind of Factors Can Affect Your RV Insurance Premiums?

Similar to auto insurance, RV insurance premiums are impacted by the RV’s value, the contents of the RV, your driving history, how often the RV is driven, the deductible chosen, etc.

If you are insuring your RV for the first time, don’t hesitate to contact us at Hart Insurance. We understand that insurance in Federal Way, WA can be confusing, so let us help you figure out what works best for your situation.

When you contact Hart Insurance about boat insurance for your boat moored or drydocked in Federal Way WA, you might expect a single policy that covers everything that could happen to your boat. That’s not how boat insurance works though.

Boat policies work in a way similar to auto insurance. You have a choice of multiple coverage types, such as comprehensive and collision, medical payments, property, bodily injury, etc. The foundation of boat insurance is liability coverage for property damage and bodily injury. From there, you add to the policy to build the insurance package that you want.

Your bodily injury coverage covers costs for treatment and settlements for injuries you cause up to the insured limit. You choose the limit, typically in increments of $5,000. You might choose $100,000 of bodily injury coverage, for example.
Property insurance coverage covers the costs of damage you cause to another individual’s boat or vehicle. You also choose the coverage amount of this.

Comprehensive coverage protects your own boat. If tree branches fall on it or children playing paintball spray it with paint, this policy pays you for the repairs. This typically has a deductible which you choose.

Collision coverage protects your boat no matter what it collides with – another boat, a tree limb under the boat, roots in the swamp, a truck that hits it while you launch it from the boat ramp, etc. This policy pays for your repairs.

Medical payment insurance takes care of your medical bills and those of your passengers if you become injured in an accident. It kicks in if the other boater who caused the accident did not have insurance or if their insurance did not cover your injuries. It kicks in if you become involved in a single boat accident. For example, you hit a tree stump that is fully submerged, and the impact ejects you from the boat. This insurance covers your injuries.

Contact Hart Insurance serving Federal Way, WA to learn more about boat insurance. Let us help you protect your maritime investment, personal health, and the health of your passengers.

The old cliché states that “when it rains, it pours.” And if your Federal Way, WA is experiencing one too many “rainy day” situations that threaten your financial strength, you might want umbrella insurance. We at Hart Insurance can explain how this policy option helps protect businesses like yours.

How Umbrella Insurance Works

High-quality umbrella insurance is designed as a sort of supplemental policy that comes into play to help pay for liability claims against you. For example, if someone is injured by your operation or gets hurt in your facility, an umbrella policy will help handle what your liability coverage will not. In a way, it protects you from excessive lawsuits that could cripple your operation. Typically, this policy is paid out following this type of schedule:

• Your standard liability pays out to its max
• You still have money to pay for injuries or damages 
• Your umbrella insurance policy kicks into effect
• You can use this cash to pay off any money that you owe 

Remember, though, that umbrella insurance has policy limits and payout restrictions, just like any insurance type. However, it is designed to be as comprehensive as possible to give you the long-term protection that you both want and deserve. As a result, it shouldn’t be too hard to create a meaningful level of coverage that limits your financial struggles in a way that makes sense for you.

Find a Policy That Makes Sense 

Do you want an umbrella insurance policy for your Federal Way, WA that will provide the coverage that you want and deserve? If so, please contact us at Hart Insurance to learn more. We’ll set you up with an umbrella policy that makes sense and will create the high-quality protection you need.