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.

You love your pets and probably want them to remain in your life for a lengthy time. Forever probably would not seem too long although it might be unattainable.

Purchasing pet insurance through Hart Insurance can help you keep your pet healthy though. A pet policy works much the same way your health insurance does. It reimburses you or covers health treatment for your pet at a Federal Way, WA vet, or when you travel.

You can obtain a policy that includes accident, wellness, and emergency coverage. That means that with accident coverage if your pet gets into a fight or cuts themselves crawling under a barbed wire fence or playing with a tuna can, etc., you will have insurance coverage for their vet bills.

Wellness coverage does the same for a pet as for you. It covers their annual exam, preventative treatments, etc.

Emergency coverage might sound like the same thing as accident coverage, but it covers a different set of circumstances. This covers your pets when to travel with them outside of your home country. If you live in the US, but travel to Canada with your dog and he falls ill there, your pet policy covers his treatment.

You can purchase these policies separately and build what you need or you can purchase a comprehensive policy that takes care of everything except wellness visits. With comprehensive, your pet is covered whether hit by a car or if they swallow their rubber ball.

Each policy component varies in cost. The type of pet and its breed also influence the premium. You choose a range of deductibles, too, to let you control your spending.

Contact Hart Insurance serving Federal Way, WA for more information and to find the pet policy for you.

Do you believe your old, refurbished automobile is a classic car? It is time to get it insured. In order for a car to qualify as a classic car, for insurance purposes, you must have another car that is your daily use vehicle. When you insure your classic car, the company that writes your policy may limit the annual miles driven.

Do you live in Washington and need to insure a classic car? An agent at Hart Insurance can help. We can help in determining if your car meets the guidelines of being rated a classic car. In addition, we can write you a policy that will give you the amount of coverage needed to protect your asset.

The caring agents at Hart Insurance are here for your classic car insurance needs. If you live in Wasington, give us a call.  You will see Hart Insurance is more than just a name–we put our heart into insuring your classic car.

Anyone that lives in the Federal Way, WA area is going to be well aware of all the amazing recreational activities that are within a reasonable drive. If you want to experience all that this area has to offer, investing in your own RV is a great option. With an RV, you will have a place where you can sleep at night while also enjoying a safe mode of transportation. Anyone who buys an RV in this area needs to get insurance for it. Insurance is needed for a few reasons.

Insurance Protects RV

A key reason to get an RV insurance policy is so you can protect your RV. Buying an RV comes with a big investment and having it pay off in the future is important. If you happen to get into an accident or the RV is stolen, and you are uninsured, you could lose the asset entirely. This coverage is also needed if you have financed the RV with a new loan.

Insurance Will Protect Against Liability Risk

RV owners here should also obtain insurance as a way to mitigate liability risk. Anyone that drives any type of vehicle will be held responsible for accidents they cause while driving. Additionally, if someone is hurt in your RV when it’s not on the road, the owner can be found responsible. RV insurance will protect against these risks. 

Getting RV insurance is a necessity for those that own one in the Federal Way, WA. If you are looking for a plan in this area, it would be a good idea to call Hart Insurance. The team with Hart Insurance knows all about RV insurance and how it will protect an RV owner. They can offer you any support that you need to build and choose a new insurance plan.

An RV is not your average vehicle in Federal Way, WA. Not only does such a vessel serve as a way to commute around town, but a motor home is also a great option when taking family trips through other parts of the state. The agents at Hart Insurance can help you determine how much RV insurance you need to feel fully protected. 

What does RV insurance cover?

The average RV insurance plan pays for damages in an at-fault accident as well as appliances damaged by an incident not caused by a natural disaster. 

A standard RV indemnity plan does not pay for flooding or fires caused by Mother Nature. You need additional protection for such financial backing. 

How much RV insurance is required?

Washington State requires drivers to furnish proof of at least liability insurance that pays a minimum of $25,000 ($50,000 per incident) for bodily injury and the same for property damage. You also must have underinsured/uninsured motorist protection that pays at least $25,000 per incident. 

How much RV insurance do you need?

The bare minimum is not enough when you own an RV in Federal Way, WA. You want to purchase a good indemnity plan that also covers expenses related to damages on the grounds where your RV is parked. It is also a good idea to invest in roadside assistance as towing costs are multiplied for motor homes. 

The agents at Hart Insurance can help you secure an indemnity policy that ensures your RV is fully protected. Call them today to get started with a quote for coverage or to ask more questions about how much RV insurance you may need in Washington State.

If you are a boat owner in the city of Federal Way, WA, you might want to know more about boat insurance. To get the right information, it would be a good idea to consult with a firm such as Hart Insurance.

There are many boat owners in the state of Washington. This makes sense, as there are many lakes and rivers, as well as the Pacific Ocean nearby. If you own a boat or are interested in owning one, it would definitely be good to look into all of the benefits that come with having the right boat insurance coverage. It is not actually required by the state of Washington, but it is definitely a responsible thing to do and a good idea.

There are many different types of boat insurance coverage from which you can choose since it is not actually required in Washington. The two basic types of boat insurance include agreed value policies (in which boats are covered based on their value when the policy was written), and actual cash value policies (which will take depreciation into account).

In addition to this, there are different types of boat insurance coverage. Specialized coverage covers specific items on your boat, such as navigation equipment. Salvage coverage will pay to remove your boat from an area when you have damaged. Consequential damage will cover a loss that was the result of wear and tear. Towing coverage will cover the expenses when it comes to towing your boat across a body of water. Cruising extension coverage can cover you if you are planning on leaving the United States.

If you are interested in learning more about boat insurance in Federal Way, WA, you should consider contacting the professionals at Hart Insurance. They will be able to answer any questions that you might have about boat insurance and perhaps suggest policies that would be of use to you.