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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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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.

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  • Washington


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