Category: Insurance

With summer right around the corner, you might be tempted to pull your boat, kayak, canoe, or other watercraft out of storage and head to the lake.  But before you hitch up and head out, remember that boating has its own share of dangers.  Whether it’s rough weather, other passengers in the craft, or other issues, boating accidents send thousands to the hospital every year and cause dozens of fatalities.  To keep yourself and your passengers safe this summer, check out these tips before you put your boat out on the lake.

Inspect your watercraft

As the weather gets warmer, you’ll want to look over your watercraft for any signs of leaks, rust, mold, rot, or other damage.  Get repairs done as soon as possible, and make sure the watercraft is safe before taking it out for recreational usage.

Check the weather

Before you head out, listen to the weather forecast.  Make sure you are aware of the weather and change your plans if a storm is in the forecast.  Also, be sure to exit the water as soon as you can if you see dark clouds or a storm on the horizon.

Do not overload your boat

Overloading a boat with passengers will make it more likely to capsize or sink.  Make sure you know the maximum number of passengers and weight your boat can hold.

Keep safety equipment on hand

Always have life jackets, life preservers, a first aid kit, and other safety equipment on hand.  It’s better to have it around and never use it than to need it and not have it.

Do not drink and boat

Operating a boat while drunk is not only dangerous but also illegal.  Make sure you operate your boat while sober, both for your safety and for the safety of passengers and swimmers.

At Hart Insurance, we know how much fun boating season is every year.  That’s why our independent agents can help you choose an insurance policy that will best cover your boat and other personal watercraft.  Call us today for more information about our boat insurance policies.

When it comes to insurance companies there are many that take and never really give back. For the average person it is easier than you might think to give back to the community that you live in. Something as simple as volunteering at a local shelter, helping out with a food drive, working at a soup kitchen, and more can all help make your community a better place.

When it comes to insurance companies and other public companies, giving back can be as simple as providing the best care and service to our customers as we possibly can. Hart Insurance works to provide the best care and the best service to customers so that we can provide the community with the help that they need.

Taking the time to really consider what it is that you can do as an individual is just one way that you can insure you are going to have a successful community that is not only loved by residents but also taken care of by residents. Volunteering and working to give back to your community can make you feel wonderful and it can help improve the community in which we all live. Giving back is one of the easiest and most fulfilling ways to make your community a better place and to truly make a difference.

Giving back does not have to be pricey and it does not have to take up all your time. In a few short hours over the span of a week or two you can make a huge impact on both the community and the lives of individuals that live there making your home a better place for yourself and for those that also live there. Take the time to see what you can do to make your world a better place.

Serving tenants in Federal Way, WA, Hart Insurance seeks to make finding renters insurance easy. Renters insurance is specifically designed with tenants needs in mind. A proper policy will provide coverage for you and your belongings, and our independent insurance agents can help you find such a policy.

Your Belongings and Yourself

All renters insurance policies are unique, containing different coverage that is detailed in the terms and conditions. Most policies have two main coverage options, though: personal property coverage and personal liability coverage.

Personal property coverage protects your belongings. Should your possessions be damaged or lost in a covered incident, the policy will reimburse you according to this coverage’s terms and conditions. Some policies provide depreciated value coverage, which pays for the fair-market value of your used belongings, while others include replacement cost coverage, which gives you the money necessary to replace the item with a new one. Of course, all coverage options will be carefully detailed in your policy, so you should read the policy over carefully.

Personal liability coverage may reimburse you for expenses related to an accident that’s covered and you’re deemed liable for. Liability coverage can vary greatly from policy to policy. Your specific protection will depend on your policy’s terms.

An Independent Insurance Agent

Understanding the different coverage options included in a renters insurance policy can be difficult if you’re on your own. At Hart Insurance, however, our Washington-licensed, independent insurance agents will clearly explain the technical jargon, ensuring that you understand your policy. Because our agents are independent, they can review any renters insurance policy you’d like, as long as it’s offered by an insurer in Washington.

Don’t spend hours struggling to compare renters insurance policies. Call our office today and we will help you through the entire process of selecting a policy.