Is Umbrella Insurance Right for Your Rainy Day Business Troubles?

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.

What does pet insurance cover?

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.

Home Construction Costs and Your Homeowner Policy

You have probably heard that construction materials costs have increased substantially recently. The National Association of Home Builders recently reported that lumber costs are up 283% over the last year and 85% for 2021 so far. Virtually all building materials are jumping in price. Labor costs are up 25-30%. One reason is the pandemic which caused slow-downs in factories and deliveries and an increase in demand for remodeling. Another is historically low interest rates.

When it comes to your homeowner or condo insurance, the cost to repair or replace your home is higher than usual right now. We can explain your coverage limit and help you understand how it would work in the event of a loss. Each company’s coverage provisions are different. Text, email or call us if you would like to review your coverage and be sure you are protected. While we’re at it, why not have us review all of your coverages and credits? If your homeowner insurance isn’t with us now, this is a good time to talk to us about the discounts for bundling.

For Earthquake insurance, you will want to check with us on the coverage for that policy too. Earthquake policies are settled on a replacement cost basis. That means unlike most Homeowner policies, the limit on your policy is the most the insurance company will pay.

If you are a renter it is more important than ever to have renters insurance. Renters insurance covers your Contents and most importantly, your Liability, but did you know it covers extra expenses also? If the house or apartment you live in is damaged and they can’t rebuild right away, renters insurance provides living expenses to offset your costs. If you don’t have Renters insurance now, we are happy to give you a proposal.

On an ongoing basis, be sure to tell us about changes you have made to your home. If you have added square footage or upgraded materials in your house, we will want to be sure those features are accounted for in your home value.

Hopefully this construction material and labor inflation will pass soon, but in the meantime, we are here to explain your coverages and provide the best value for your situation.

We value your trust in us to manage your insurance.

What are the rules for classic car insurance?

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.

Do you need RV insurance in Federal Way?

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.

Uninsured/Underinsured Motorist–What limit should you have?


Uninsured/Underinsured Motorist coverage helps pay for damage to your vehicle and injuries to you or your passengers if the other driver is at-fault and has no insurance or not enough insurance or a hit-and-run situation. Even if you have health insurance, you and any of your passengers will typically have out of pocket deductibles and coinsurance. Your Uninsured Motorist coverage may have a small deductible depending on the situation, but no co-insurance.

The Insurance Research Council 2019 study showed that the state of Washington ranks fifth highest in the country in the percentage of uninsured motorists with an estimate of 21.7 percent. That means more than one in five people don’t have auto insurance! The number of uninsured motorists is tied to the economic climate, so the number may be higher now due to the financial impact of the pandemic.

Washington State’s minimum limit of liability is $25,000 bodily injury per person/$50,000 per accident and $10,000 property damage. Many drivers included in the insured driver statistics have those limits which don’t begin to cover the cost for serious injuries.

You can try to collect damages through the courts, but there’s a good chance that the other party won’t have the resources to cover your costs—not to mention that going to court is a stressful and time-intensive process.

The amount of Uninsured/Underinsured Motorist coverage you can get is tied to your liability limit. Many of our companies also offer one million or more coverage for Uninsured Motorist with an endorsement if your auto policy has a high enough Liability limit. Give us a call to see if you qualify.

Your Spring Vehicle Safety Checklist

As spring arrives and the weather slowly begins to warm up, it’s time to start thinking about de-winterizing your car. Just a few simple steps can refresh your vehicle, making driving safer and avoiding costly repairs down the road. This is why Hart Insurance Federal Way WA has put together this handy guide to spring vehicle safety for the Federal Way, WA area. 

1.  Maintain Your Tires 

Once temperatures rise over 45 degrees, change from your winter tires to a good all-season tire. You may also want to consider all-weather tires, which may be used all year long, though the selection for this type is currently small.  New tires are best, but if you are putting on used tires ensure the treads are okay. Tires should always be within their recommended pressure range which is usually 30-32 psi. 

2.  Check Your Fluids

Clean and optimal fluids keep your vehicle running at its best. Dirty or insufficient oil in your engine risks mechanical parts breaking down. Coolant and antifreeze are run through the wringer during winter, so it’s important to make sure that their levels are adequate. Brake fluid should be changed every one or two years. Additionally, fluids such as transmission or differential fluid need to be changed every 60,000 miles.

3. Inspect Your Air Filter

Dirty air filters can reduce your gas mileage up to 10% and drastically impair your engine performance. Luckily, replacing an air filter is easy to do at home, and should be a regular part of your seasonal vehicle inspection.

4. Be Insured

This may sound obvious coming from us, but having the right auto insurance policy does help when things go wrong. That’s why Hart Insurance wants to make sure everyone in the Federal Way, WA area has a policy that fits their needs. Whether you’re sticking to home or planning a big trip this spring, visit our site today to request your comprehensive auto insurance quote

How much RV insurance do you need?

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.

Boat Insurance Options in Federal Way, WA

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.

Three common misunderstandings regarding umbrella insurance

Umbrella insurance is an important type of insurance to carry to protect yourself financially. Your assets could be at risk if you’re not carrying this type of coverage. At Hart Insurance, we provide umbrella insurance coverage to consumers in Federal Way, WA.

Unfortunately, there are a lot of misunderstandings out there regarding what umbrella coverage is and how it works. The following are three common misunderstandings regarding umbrella insurance that you should be aware of. 

You don’t need umbrella coverage unless you are very wealthy.

You shouldn’t assume that you’re not wealthy enough to be sued. Regardless of how wealthy you are, you could become the target of a lawsuit. Don’t think that you don’t need umbrella coverage just because you don’t have a super high net worth. 

Umbrella coverage isn’t necessary if my auto and home insurance maximum coverages are high. 

The coverage maximums on your auto and home policies most likely can’t go any higher than $500,000. However, liability costs could easily top $500,000 in the event of a severe accident. That’s why umbrella coverage is important to enhance any auto or home insurance policy. It’s also important to note that umbrella coverage can enhance other types of policy like boat insurance policies. 

Umbrella insurance covers my property.

When you buy umbrella coverage, it’s important to understand that umbrella insurance is a form of liability protection. It doesn’t cover the costs of damages to your property. However, it can protect your assets by covering large expenses from lawsuits against you that you might otherwise have to pay for by losing valuable assets. 

It’s important to do your research before you purchase an umbrella insurance policy in Federal Way, WA. At Hart Insurance, we can help. Contact us for answers to any questions you have about umbrella insurance coverage.