Exploring The Different Types of Risks Covered by An Umbrella Insurance Policy

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
  • Financial losses due to identity theft or cyber-attacks

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.

What is classic car insurance

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.

Don’t Be Caught Driving Without Car Insurance

Are you a licensed driver in Federal Way, WA? Are you insured to drive? It is against the law to drive uninsured. Let Hart Insurance provide you with the coverage you need to be in compliance with the law.

Several factors determine your insurance rate: your credit score, driving record, vehicle type, and location. Insurance premiums can change from one zip code to another, from one state to the next. Rates in rural areas will be less than those in the city. Types of coverage are:

  • Liability – By law, this is the most important coverage. All drivers need this if they injure someone else in an accident. The coverage will apply to you and any other driver listed on your policy.
  • Collision – This pays for damage to your vehicle or property. The cause can be a collision with another car or if you hit an object, such as a tree or fence.
  • Comprehensive – This coverage pays you for theft, loss, or damage to your car caused by something other than a crash or collision. It can include fire damage, hail damage, falling objects, or damage caused by hitting an animal.
  • Uninsured/underinsured motorist coverage – Protects you if you are involved in an accident where the other driver has no insurance or insufficient insurance.
  • Property damage liability insurance – Covers you in accidents when you are liable. It pays for repairs to the other driver’s car or property you may damage.
  • Personal injury protection or medical payment coverage – If you or a passenger in your car are hurt in an accident, this coverage can help pay for the resulting medical expenses. This coverage also covers lost wages if you or an injured person cannot work. It covers funeral expenses in the event of a death.

Hart Insurance can provide you with a quote or answer any questions you may have. Contact our team today.


Three things to remember when you choose RV insurance

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. 

Should You Drop Boat Insurance in the Winter Months When the Boat is Not Being Used?

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. 

What Should I Look For in an Umbrella Insurance Policy?

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.

What Is Included in Comprehensive Pet Insurance?

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.

Do I Need To Get An Appraisal For My Classic Car?

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.

What Home Insurance Coverages Should I Consider?

If you own a home in Federal Way, WA, you need the right mix of home insurance policies to protect your investment against perils like fire, hail, lightning, falling objects, etc. But because you may not be an insurance expert, you may not understand the coverage options to include in your home policy. However, worry not because Hart Insurance is here to guide you every step of the way as you shop for your home insurance coverage.

Here are insurance options to consider for your home insurance:

  • Dwelling coverage: Since your building structure can be threatened by perils like fire, vandalism, and numerous natural disasters, you need to invest in home insurance to compensate for damage to your home.
  • Contents coverage: Home insurance not only covers your building but also protects the assets inside. For instance, if damage or loss occurs to your furniture and electronics, home insurance pays for the damage up to your coverage limit.
  • Liability coverage: This is one of the most underrated home insurance policies. Liability coverage protects you when accused of bodily injury or property damage by others. For example, if your canine friend bites someone, home insurance covers the medical costs and even legal suits if sued. Similarly, home insurance covers the damage if you cause property damage, such as reversing into a neighbor’s wall.
  • Loss of use: Suppose a peril like a fire consumes your home. Where would you and your loved ones go? You would probably seek a temporary shelter in a hotel. But since you hadn’t planned for such expenses, it can mess with your finances. However, the “loss of use” coverage covers additional living expenses until your house becomes habitable.

Are you looking for a robust home insurance policy in Federal Way, WA? Please get in touch with Hart Insurance.

Should I Update my Auto Insurance Policy?

Having auto insurance here in Washington is mandatory and one of the best gifts you can give your car. Auto insurance policy protects you against unfortunate incidences like thefts, accidents, or even fire. However, it would help if you had the right insurance policy from the start to avoid surprises during a claim.

Updating your insurance policy from time to time helps you have the right insurance. Most people like to stick to the initial policy even after making some changes, not knowing that failure to update your insurance can complicate your claim process. If you are asking whether you should update your auto insurance policy, Hart Insurance has prepared reasons for you to review your policy.

  • When you buy a new car: If you have just bought a new car, it’s time to let your insurance agent know. Most companies will allow you to move your current policy to your new vehicle. However, your premium may change depending on the new car’s value.
  • When you change the existing car’s use: Update your policy if you make significant changes to your current vehicle. Some of the changes may include notifying your agent about business use.
  • Moving to a new address: One of the key influencers of your policy cost is where you live. If you move homes, let your insurer know to determine whether there will be changes in your policy.
  • When you have a teen driver:  Your insurer may deny claims involving a teen or young driver if they are not on your policy. Having your young driver on your policy may give them prior insurance credits when they move out and need to start a policy of their own.

Auto insurance in Federal Way, WA 

Perhaps it’s also time you reviewed your coverages with us. Are you looking for auto insurance in Federal Way, WA, and its surroundings? Look no further than Hart Insurance for a coverage review and proposal.