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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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Why Do So Many Collectors Take Out Classic Car Insurance?

Did you know that in the United States it’s estimated that more than 15% of registered cars are collector’s cars? Each year, collector car sales are estimated to top $2 billion. It’s a big market, and as a result, collector’s car insurance is common. If you’re looking for collector car insurance policies in Federal Way, WA, contact Hart Insurance. Let’s examine why the right insurance policies could prove crucial for protecting collectors and their financial well-being.

Collector’s Cars Are an Investment Worth Protecting

There’s an old saying that when you drive a car off the dealer’s lot, it loses value. This is often true. Once a vehicle is “used,” potential buyers will typically see it as worth less than a brand-new version of the same make and model (assuming similar features). Several years later, most cars will be worth even less.

Over time, however, more and more cars will be sent to the junkyard. The supply of a particular model, say a 1970 Ford Mustang or 1985 Chevy Corvette, will generally shrink. The cars will become less common, and according to basic economics, shrinking supply often correlates with rising prices.

This is especially true for desirable cars. The demand for a 1995 Honda Civic might not be especially high as it was a common commuter car. However, a 1990 Chevy Corvette will be sought out because it’s a famous car built for performance.

All of the above is important because it leads to collector cars enjoying rising prices and high overall value. For this reason, collectors should protect their investments with an appropriate insurance plan. Want to set up collector car insurance policies in Federal Way, WA? Contact Hart Insurance.

Home Insurance – Fill in Coverage Gaps

Your home insurance policy protects your house and the items stored inside it. If your policy doesn’t provide enough coverage, research add-ons that will fill in coverage gaps.

Flood and Earthquake Coverage

A home insurance policy does not cover rising or surface water damage or earthquake.


Valuables can be added to an existing home insurance policy. Even though these items will be covered, the amount of coverage may not be sufficient. If you own a considerable amount of valuables, it is a good idea to have them appraised.

Then, you can purchase an insurance add-on that will increase the amount of coverage you have. This type of coverage will pay for fixing or replacing any valuables you insure.

Contact Hart Insurance

One of our Hart Insurance agents will walk you through the process of obtaining add-on coverage. Schedule a call with us that will guide you in choosing insurance coverages you value.

When Does My Auto Insurance Cover Theft?

Hart Insurance provides auto insurance policies capable of protecting you from the fiscal impact of car theft. However, this coverage does not come with every auto insurance policy.

Liability Only May Not Be Enough

If an accident occurs and it’s your fault, your policy will shoulder the costs related to the other party’s vehicle damage and respective medical costs up to your policy’s limits. But what about your vehicle?

Securing Your Vehicle Against Theft

Comprehensive coverage is designed to cover theft of your vehicle if your car never gets recovered. However, keep in mind that collision coverage is also needed to pay for damage to the vehicle incurred during the theft.

Contact Us for Coverage

Many people think, “That won’t happen to me.” Unfortunately, our experience at Hart Insurance suggests otherwise. We frequently encounter situations where people in Federal Way, WA, and across the state experience financial loss due to being underinsured. Don’t become another statistic – let us assist you in avoiding this fate. Contact Hart Insurance today and fortify your vehicle coverage.

Clever Ways to Pick RV Insurance

Maximizing Protection for Your RV with Smart Insurance Choices

Owning an RV in Federal Way, WA necessitates solid insurance coverage to protect your vehicle and prevent long-term financial considerations should damage occur. At Hart Insurance, our team can guide you in selecting appropriate insurance coverage and share valuable tips and hacks.

Join a Camping Club for Mutual Benefits

Considering a camping club membership can provide you with numerous advantages, including beneficial insurance options. Additionally, they can assist you in finding a superior policy that fully covers your needs. Regardless of your requirements, joining a camping club is a savvy move for all RV owners.

Avail of Replacement Value Protection

Over time, your RV will naturally depreciate, resulting in lower insurance payouts during accidents or damage that necessitate replacement. Opting for replacement value protection, however, ensures that you receive the full cost of replacing your RV rather than its current worth, a significant advantage.

Pay Attention to Coverage Scope

It is important to assess what your insurance policy provides instead of merely focusing on the cost factors alone. For instance, while additional coverage for canopies may initially appear attractive, it might be unnecessary if your current insurance already covers them. The key is reasonable spending, not overindulgence.

Consider Full-Timer Protection

If you plan to spend significant time in your RV, say 3-6 months or more, opting for full-timer protection is advisable. This unique insurance treats your RV as your home, providing extra coverage tailored to your specific needs.

How Hart Insurance Can Assist You

Whether you reside in or around Federal Way, WA, the team at Hart Insurance is eager to serve you. With our extensive experience, we’re well-equipped to guide you through your insurance options. Don’t hesitate to contact our team with any inquiries, and we’ll do everything we can to streamline the process for you.

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. 

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.

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. 

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