Skip to content
Click to Call Click to Text
Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

Get Directions

Why Standard Homeowners or Auto Insurance May Not Be Sufficient for Boats

Amid the joys of boat ownership in and around the Federal Way, WA area, a common misconception is that standard homeowners or auto insurance will seamlessly extend to cover the unique risks associated with marine adventures. However, this assumption can lead to significant gaps in coverage.

Distinct Risks Require Specialized Coverage

While homeowners insurance shields against property damage and theft, it often excludes coverage for waterborne incidents or accidents. Auto insurance, designed for vehicles primarily on land, similarly lacks the breadth of protection needed for boats navigating unpredictable waters. Recognizing the distinct risks of maritime activities is the first step toward understanding and avoiding the inadequacy of standard policies.

Navigational Limits and Watercraft Specifics

Standard policies are often limited in their coverage scope, especially regarding navigational territories. Boats venturing into international waters or specific regions may find themselves outside the coverage boundaries of standard insurance. Additionally, the varying types of watercraft, from sailboats to powerboats, demand specialized considerations that generic policies fail to address adequately.

Lack of Coverage for On-Water Perils

Boat owners can face on-water perils such as sinking, capsizing, or collisions, scenarios for which standard homeowners or auto insurance provides little protection. Specialized boat insurance covers these marine-specific risks, offering financial security when general policies fall short.

Liability Gaps and Guest Passenger Risks

Liability coverage under standard policies may not extend seamlessly to cover boat-related incidents. Boat owners face unique liability risks, including accidents with other watercraft or passenger injuries. Specialized boat insurance bridges these liability gaps, ensuring that boat owners are adequately protected against unforeseen events on the water.

How Hart Insurance Can Help You

At Hart Insurance, we can help answer questions concerning boat insurance. We serve the Federal Way, WA area. Call us today. 

Could I benefit by having umbrella insurance in Washington?

When you are in the Federal Way, WA area, it will continue to be very important that you carefully manage your personal liability risks. A great way to do this is with a proper insurance policy. If you want to manage your unique risks properly, umbrella insurance needs to be part of your insurance plan. There are various ways someone can benefit when they get this coverage. 

Protect Financial Assets

One of the ways you will benefit from having an umbrella insurance policy is that you will be able to protect your financial assets. If you have personal assets, including cash, stocks, or other investments, there is a chance you could lose them if you are found liable for an accident and need to pay damages. With an umbrella insurance policy, you will know that all your assets are protected, as you will have financial support in these situations. 

Prepare for Unexpected

Ultimately, having an umbrella insurance plan is a good option as it can help ensure you are prepared for the unexpected. If you are involved in any major accident and are held responsible, you will need to cover damages. An umbrella insurance plan offers some blanket coverage against these and other personal liability risks. This can ensure you are supported in such situations. 

Getting umbrella coverage is always a good idea for someone in the Federal Way, WA, area. When looking for this insurance here, you should call our team of professionals with Hart Insurance. Our Hart Insurance team will ensure you understand your personal liability risks. This can be a great first step in building an umbrella plan to meet all your coverage needs. 

Why are insurance rates going up?

Why are insurance rates going up?

This is a question we are hearing more often than usual right now. If you haven’t had any tickets or accidents, rate increases can seem unfair.

There are many reasons for price increases such as supply chain disruptions, staffing shortages, inflation, more claims being turned in and courts awarding higher payouts on liability claims.
Here are some things you can do for your own risk management.

*Keep your home maintained to prevent water leaks and other losses.

*Consider installing a burglar and fire alarm.

*Drive defensively and follow the laws. Ask us about telematics that reward you for good driving.

*Encourage young drivers in your household to take driver’s education and maintain a 3.0 or higher GPA.

*Ask about higher auto liability. Companies may give a better rate if you have higher limits.

*Checking your credit yearly may help you identify any discrepancies in your report.

*Do not let your insurance cancel. Companies are increasingly declining to reinstate. If they do agree to reinstate, they may require payment in full.

How can we help?

In response to these challenges, we are making diligent efforts to check for credits you qualify for and making sure you understand the coverages you have selected. Just like the tides ebb and flow, this too shall pass. In the meantime, please reach out anytime with any questions or concerns.

Specialized Coverage for Vintage and Rare Vehicles

Vintage and rare vehicles are not merely modes of transportation; they are timeless pieces of history and artistry on wheels. These unique automobiles often possess intrinsic value, commanding admiration for their design, craftsmanship, and historical significance. In and around the Federal Way, WA area, classic car owners enjoy their hobbies and take classic car insurance seriously to protect their investments. 

Unique Risks, Unique Solutions

Unlike conventional vehicles, vintage and rare cars demand specialized insurance coverage. Their rarity and often higher market value require insurance policies that address the unique risks associated with ownership. Standard auto insurance may fall short of protecting these automotive artifacts.

Agreed Value Policies

Specialized coverage often includes "agreed value" policies. Unlike standard policies that depreciate the vehicle’s value over time, agreed value policies establish a predetermined amount to be paid in the event of a covered loss. This ensures that the owner receives fair compensation reflective of the vehicle’s appraised value.

Protecting the Journey of Restoration

Vintage car enthusiasts often invest considerable time and resources in restoring these vehicles to their former glory. Specialized insurance recognizes this dedication by offering restoration coverage. This protects the owner against potential losses during restoration, including damage to original parts or craftsmanship.

Preserving Pristine Conditions

Vintage and rare vehicles are not daily drivers but cherished possessions often driven on special occasions. Specialized coverage understands this and may offer policies based on limited mileage. This reflects the lower risk associated with fewer miles and acknowledges the owner’s commitment to preserving the vehicle’s pristine condition. The premiums are not as high since the risk is lower due to less driving time. 

How Hart Insurance Can Help You

At Hart Insurance, we can help answer questions concerning classic car insurance. We serve the Federal Way, WA area. Contact us today.   

Does my auto insurance protect me if items are stolen from my vehicle?

If you only have the minimum possible auto insurance, you only have the minimum protection. Your insurance policies are basically contracts, and it is essential to understand what kinds of protection you have.

Basic Minimum Auto Insurance

If you have only the minimum coverage required by law, you are only protected if you cause injury or damage to someone else. Furthermore, the limits are relatively small. Unless you opt to increase coverage, you may be responsible for paying for medical bills or repairs out of pocket because you have reached your policy limits.

Comprehensive Auto Insurance

Comprehensive auto insurance offers several other kinds of protection for damage not caused by a collision. If a tree falls on your car during a storm, you will need comprehensive coverage to help repair or replace your vehicle.

Other events covered by comprehensive auto insurance include vandalism, theft, fire, and damage caused by animals. Unfortunately, the theft coverage is for cases where your vehicle or vehicle parts are stolen. Your auto insurance will probably not cover items stolen from inside your vehicle.

Make Sure You Have the Protection You Need

If you want to protect the items in your vehicle, you need to see if you are covered under your homeowners’ or renters’ insurance. This may be important electronics such as your smartphone or laptop.

Protect your Federal Way, WA property by ensuring you have the necessary coverage. If you have any questions or want to see how you can add the protection you need to your insurance, please call Hart Insurance today.

RV Insurance for the Expected and Unexpected

Thankfully, most of us don’t experience a Griswold-type of family vacation. What many people and families do experience, however, is the fun and excitement of a cross-country RV trip. And for folks who live in and around Federal Way, WA, no trip is complete without RV insurance. The good news is with helpful agents like those at Hart Insurance, you can get the RV insurance you need and deserve.

A trip in a Recreational Vehicle is unlike anything else and is very much like a home on wheels. Unfortunately, as impressive as this mobile wonder is, it is also susceptible to any number of mechanical and functional failures. That is also when having RV insurance becomes a difference-maker.

Plan Your Next Trip with RV Insurance

Any trip requires at least a little bit of planning and preparation. Even an overnight trip or stay warrants the foresight to plan ahead. And when loading up the RV for a trip, RV insurance should be included in that plan.

Do you have the RV insurance you need in case of a mechanical failure or emergency? Is your policy up to date? Suppose you are in the market for RV insurance or shopping policies in or around Federal Way, WA. In that case, we invite you to visit us at Hart Insurance for information or help with your next RV insurance policy.

For the Expected and Unexpected

Thank you for visiting Hart Insurance, which offers RV insurance solutions for people and families in Federal Way. So, when you run into problems on a trip, you can rely on RV insurance to be there to help.

Planning ahead makes a difference for the expected and unexpected bumps in the road. Contact us to learn more and be prepared for your next RV trip with RV Insurance from Hart Insurance today.

FAQ’s in today’s insurance world

Why did my rates go up?

This is a question we are hearing more often than usual right now. If you haven’t had any tickets or accidents, rate increases can seem unfair.

There are many reasons for price increases such as supply chain disruptions, staffing shortages, inflation, more claims being turned in and courts awarding higher payouts on liability claims.

Why am I being canceled?

In addition to raising rates, insurance companies are canceling more customers than usual. A single ticket or claim can trigger a cancellation—especially if you have only one or two years tenure with them or your policy has canceled in the past.

Here are some things you can do for your own risk management.

Keep your home maintained to prevent water leaks and other losses.

Consider installing a burglar and fire alarm.

Drive defensively and follow the laws. Ask us about telematics that reward you for good driving.

Encourage young drivers in your household to take driver’s education and maintain a 3.0 or higher GPA.

Ask about higher auto liability. Companies may give a better rate if you have higher limits.

Checking your credit yearly may help you identify any discrepancies in your report.

Do not let your insurance cancel. Companies are increasingly declining to reinstate. If they do agree to reinstate, they may require payment in full.

How can we help?

In response to these challenges, we are making diligent efforts to check for credits you qualify for and making sure you understand the coverages you have selected. Just like the tides ebb and flow, this too shall pass. In the meantime, please reach out anytime with any questions or concerns.

Do I Need Boat Insurance?

Boat insurance is not required by law in Washington. However, boat insurance is often a good idea, even if it’s not required by law. At Hart Insurance in Federal Way, WA, we offer boat insurance. 

When Boat Insurance is Required 

Boat insurance is only required by law in two states, Utah and Arkansas, so it’s not legally required in Washington. However, if you have a lien on your boat, your lender will likely require you to have boat insurance. Lenders often require full coverage insurance, which protects their investment. 

Marinas will sometimes require boat insurance as well, particularly liability insurance. This protects the marina and other boaters.

Considering Risk Tolerance

Assuming that you aren’t required to have boat insurance by a lender or marina, do you still need it? Is it worth the cost? 

To decide the answer, you’ll need to think about your risk tolerance. Can you afford to replace your boat if it’s damaged in an accident? Can you afford salvage or tow costs if your boat is damaged? Can you afford to repair someone else’s boat if it’s damaged in an accident with your boat?

If you answered no to these questions, you need boat insurance because you have a low-risk tolerance. 

What Type of Boat Insurance Do I Need? 

Liability coverage will protect your finances if your boat damages another boat or property, like a marina or dock. The general recommendation is $1,000,000 in liability coverage. However, you may need more coverage if you have a fast, powerful boat. 

Lenders often require collision and comprehensive coverage. Collison coverage will cover the costs of repairing or replacing your boat if it’s damaged in an accident. Comprehensive coverage covers damage that occurs when you aren’t on the water.  

Boat Insurance from Hart Insurance 

If you want boat insurance in Federal Way, WA, contact us at Hart Insurance. We offer various insurance options, including boat insurance, to meet your insurance needs. 

Who needs umbrella insurance in Washington?

All people living in the Federal Way, WA area must take their personal liability risks seriously. Even those who are careful and cautious could potentially cause an accident that results in damages. As this is an ongoing risk, having insurance is always a good idea. A way that this risk can be mitigated is by getting an umbrella insurance plan. There are various situations when someone here will need to get a proper umbrella insurance policy. 

When Trying to Cover More Situations

One situation when someone will need to have umbrella insurance is when they are trying to protect against as many risks as possible. A big advantage of an umbrella insurance plan is that it offers very broad coverage. This can include coverage against liability risks that are not protected by home or auto plans. When you get an umbrella insurance policy, you will have support for many additional risks, which can offer peace of mind. 

Additional Liability Coverage

An advantage of umbrella insurance is that it can provide you with additional liability coverage. While you will have liability coverage through home or auto insurance, it will always have a limit. When you have a full umbrella insurance plan in place, you will get additional coverage that will be on top of any existing plans that you have. 

Having an umbrella insurance plan is very important for anyone who is in the Federal Way, WA area. When you are looking for a new plan in this region, it would be a great idea to call our team with Hart Insurance. When you do call our professionals with Hart Insurance, you can be assured that you build a proper plan that will offer you liability coverage in a wide range of situations. 

Four problems you can avoid with pet insurance

Buying pet insurance is important. As a pet owner, you need to be able to pay for veterinary care when your pet needs it. Hart Insurance offers pet insurance to consumers in Washington.

The following are four problems you can avoid with pet insurance.

Being unable to pay for veterinary care for your pet

It’s heartbreaking not to have enough money to get your pet’s veterinary care. With pet insurance, veterinary care can be made more affordable for you. This allows you to save your pet’s life with veterinary care in many situations.

Facing financial hardship when your pet gets sick

Even if you have the money for the veterinary care that you need, paying for vet care could lead to financial hardship. Veterinary procedures involving surgery or certain medications can be very costly and challenging for many pet owners to afford.

Stressing out over pet health

Pet insurance gives pet owners more peace of mind. If you don’t have pet insurance covering veterinary expenses, you may experience stress as you worry about your pet’s health.

Losing savings when your pet gets sick

If your pet gets sick, you might have to dig into your hard-earned savings to pay for veterinary care. With pet insurance, you can protect your savings and pay for the vet care you need without losing the funds you’ve worked so hard to save up.

Are you a pet owner in Washington who is looking for a pet insurance policy? At Hart Insurance, we can provide you with a quote on a pet insurance policy. Get in touch with us today to learn more.

Servicing States

  • Washington

Testimonials


More Testimonials

Partner Companies

  • Cbic
  • Encompass
  • Foremost
  • Geovera
  • Hagerty
  • Mutual Of Enumclaw
  • Palomar
  • Progressive
  • Red Shield
  • Safeco
  • Travelers