If you recently purchased an RV (recreational Vehicle), you will need to ensure that you have the appropriate amount of RV insurance in place to protect your investment.

According to the experienced RV insurance agents at Hart Insurance serving the Federal Way, WA area, you must have at least liability insurance on your RV before legally having it on the road in Washington. This applies to your RV if it has its own engine, such as a motorhome. If you have a pull-behind trailer or other types of RV, you are not required to have liability insurance, but it is a good idea. If it comes loose from your vehicle, it can cause an accident, so liability insurance will still come in handy to pay for any property damage or injuries caused by the accident.

Uninsured and Underinsured RV Insurance

In addition to liability insurance, you can also obtain uninsured or underinsured coverage. This will help you if you become involved in an accident with someone who does not have the appropriate amount of insurance to cover damages to your RV.

Comprehensive and Collision Insurance Coverage

Comprehensive insurance coverage will assist you in paying for repairs or the replacement of your RV if it is damaged or destroyed by a fire, an act of vandalism, or a natural disaster. This type of coverage can also assist you in replacing your RV if it is stolen.

Collision insurance will help you pay for repairs to your RV if you collide with another vehicle or even a stationary object.

 A lender may require both collision and comprehensive coverage if you still owe money for the purchase of your RV.

Call For a Quote!

To obtain adequate insurance for your RV, contact the experienced and knowledgeable RV insurance agents at Hart Insurance serving the Federal Way, WA area today to get your policy started!

If you’re a boating enthusiast in or around Federal Way, WA, you already know from experience how important the right boat insurance is. But you should never assume that just because a particular policy was a perfect fit for you years ago that it still is.

Many circumstances could call for a boat insurance upgrade, and we at Hart Insurance can help you figure them out. The following are just a few examples.

1. You’ve recently moved

Laws and other factors that could affect the appropriateness of your policy vary from state to state. So if you’ve recently relocated to Washington from out of state, it’s time to reevaluate your boat insurance situation. However, in-state moves resulting in changing needs or lifestyle circumstances should also trigger a policy review.

2. You’ve upgraded your boat

Whether or not a particular boat insurance policy is a good fit for someone has much to do with the boat itself. Factors like the age, estimated value, and motor type associated with the boat will naturally affect coverage. Upgrades can also be, so any updates to your boat should inspire you to revisit your insurance policy.

3. You’re not protected from uninsured boaters

Don’t simply assume that all states require boaters to carry insurance on their boats because many – Washington included – do not. And even if they do, there’s no guarantee you will never have a collision with an uninsured boater. So if your existing policy doesn’t protect you from uninsured boaters, you should upgrade as soon as possible.

Adequately insuring your boat is as important as ensuring your home, health, or auto insurance policies are thorough enough. So if it’s been a while since your last upgrade, contact us at Hart Insurance to ensure you’re adequately covered.

Hart Insurance in Federal Way, WA offers umbrella insurance policies to help protect you and your family from potential risks. Our umbrella insurance policies cover certain liabilities that may exceed other coverage limits and can provide additional financial support during times of need. This guide will give you an overview of the risks umbrella insurance covers while giving a more detailed overview of the most common risks, helping you make an informed decision about your insurance needs.

What Risks Do Umbrella Insurance Policies Cover?

Umbrella insurance policies cover the following:

• Bodily injury liabilities stemming from accidents
• Personal injury liabilities due to slander or libel
• Property damage resulting from an accident
• Legal fees associated with defending against a lawsuit
• Coverage for incidents that are not covered under your primary home and auto insurance policies
• Liability protection for rental properties and boats owned by the policyholder

Property Damage Liability

Property damage liability coverage is one of the most critical coverages provided by umbrella insurance policies. This coverage helps protect policyholders if they are found legally responsible for any damage to another person’s property. The coverage can help pay for repairs, replacement costs, and associated legal fees.

Bodily Injury Liability

Bodily Injury Liability is coverage for costs that arise from injuries caused to other people in an accident. This type of insurance kicks in when the limits of a homeowner’s or auto insurance policy have been exhausted. It can help protect individuals and businesses from costly lawsuits.

Contact Us Today

Hart Insurance serving Federal Way, WA can provide you with the coverage and peace of mind that you deserve with umbrella insurance policy options. Contact us today to learn more.

Classic car insurance is a type of auto insurance intended for cars considered to be vintage or antique, but may also include exotic or collector vehicles and even boats. This kind of policy is sometimes less expensive with better coverage.

There are several reasons someone may purchase classic car insurance over regular auto insurance. For example, some people are collectors or restorers of vintage cars and want to ensure they have sufficient coverage in case anything happens to the vehicle. There are a few requirements to qualify for a collector vehicle policy.

Here are some of the requirements. Your vehicle must be in good condition and well-maintained to qualify for a policy. The vehicle can’t be your daily driver and is mostly intended to be for exhibitions, orgainzed meets and occasional pleasure driving.  The vehicle should be stored in an enclosed, secure structure. If you are unsure whether your vehicle qualifies under classic car insurance, the best thing to do is talk with Hart Insurance Agency.

Call Hart Insurance today if you want to insure your classic car. We proudly serve the Federal Way, WA and all other cities in Washington state.

If you own an RV, you need to insure it adequately to make sure that your finances are protected. We can provide you with RV insurance coverage at Hart Insurance.

You need to make sure you remember the following three things when you choose RV insurance in Federal Way, WA. 

The frequency with which you use your RV impacts your insurance policy.

It would be best if you let your RV insurance provider know whether you live in your RV full-time or only use your RV on vacation. The more frequently you use your RV, the more coverage you want and the higher your premiums will be.

You may be able to save on your RV insurance by bundling policies. 

Many insurance providers offer bundling discounts. Purchase your auto, home, and RV insurance from the same auto insurance provider. You, therefore, could get significantly lower premiums than if you purchased your various insurance policies from different providers. 

Check with your insurance company to see if you can take advantage of bundling discounts when you buy RV insurance. 

You should consider total loss replacement vs. actual cash value coverage.

One primary option you’ll have when you buy RV insurance is whether to purchase total loss replacement or actual cash value coverage. 

While total loss replacement coverage will provide more coverage than actual cash value coverage in the event of a total loss, it may also cost more. You need to weigh the pros and cons of each of these two types of coverage to decide which is best for your situation. 

Hart Insurance is an insurance provider offering RV coverage in Federal Way, WA. We can answer your questions about RV insurance and provide you with the coverage you’re looking for. Send us a message to learn about our RV insurance policy offerings. 

If you are a new boat owner, you likely know that carrying boat insurance when you are out boating is a must. However, one of the questions we at Hart Insurance, serving the greater Federal Way, WA area, are often asked is whether you should drop boat insurance in the winter months or continue carrying it. The decision is personal, but we strongly recommend you continue carrying boat insurance. Read on to learn why. 

The Benefits of Dropping Boat Insurance in the Winter Months When the Boat is Not Being Used

The only benefit to dropping boat insurance in the winter months when the boat is not being used is that you may save some money. However, if you start insurance, cancel it, and start it again, you may incur cancelation fees or have higher premiums, which may eat up your savings. 

The Disadvantages of Dropping Boat Insurance in the Winter Months When the Boat is Not Being Used

Boat insurance does not only cover your boat when you are out on the water. Depending on the type of policy you have, boat insurance may also cover your boat from things such as theft or fire. When your boat is being stored, it can be stolen or incur damage, and boat insurance helps to protect against this. 

While boat insurance is critical when you are out and operating the boat, it is also important when the boat is being stored or not used during the winter months. If you want to change your boat insurance during the winter months or are looking for a new policy, Hart Insurance, serving the Federal Way, WA region, can help you. Reach out to us today to start the process of buying boat 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.