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Hart Insurance Agency

1230 S 336th St,
Federal Way, WA 98003

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How Classic Car Insurance Differs From Traditional Auto Insurance

Car insurance comes in many different forms. From primary liability to comprehensive, there’s a coverage type out there for any situation. However, when you own a classic car in Federal Way, WA, the coverage provided by a traditional car insurance policy likely doesn’t account for every aspect of your vehicle. This is where classic car insurance comes in. If you’re looking to fully protect your pride and joy, the insurance professionals here at Hart Insurance can help.

Why You Need Classic Car Insurance Instead

Traditional auto insurance is excellent for a modern, commonly owned car. Still, when you have a pristinely restored 1958 Chevrolet Corvette you like to take out on the weekend, this type of insurance just doesn’t cut it. Should an accident occur on the road or a natural disaster strike at home, the standard policy is unlikely to cover the full extent of the car. This is because the cost of replacement parts, bodywork, and paint aren’t accurately accounted for in the vehicle’s valuation.

With a policy designed specifically for classic cars, the value of the car (and, therefore, its coverage) is set through a discussion between the agent and the owner, which accounts for all of the time and effort put into restoring and maintaining a classic. This can be the difference between getting what a standard insurance provider thinks the car is worth and its actually worth.

Protect Your Ride Today With Help From Hart Insurance

Insuring your classic car doesn’t need to be a hassle. At Hart Insurance, we’ll do the heavy lifting for you, comparing all of your options from the top companies in the country so you can focus on enjoying your ride. For more information, contact our offices in Federal Way, WA today!

Updating Your Home Insurance After Remodeling

Most people don’t realize they need to update their home insurance after remodeling or renovating. Those two activities may make their Washington home more valuable. How much coverage do you need?

Determining the Updated Value of Your Home

When you started homeowner insurance with Hart Insurance, your insurance agent did a home valuation to obtain its current cost to rebuild. There is usually an inflation factor built in to homeowner renewals, but now that you renovated your home, you may have increased its value. Unless you contact us to update the valuation, your policy may not have kept up with the new value and today’s increased inflation.

If you added value to your home with an updated HVAC, additional square footage, decking, etc. you need to update your home policy to be sure there is enough coverage.

Contact Hart Insurance to Update Your Home Policy

At Hart Insurance, we don’t want you caught off guard by a claim when holding an outdated insurance policy on your Washington home. Let us help you update it. If you read this before you begin remodeling or renovations, contact us to plan your update in advance.

Why Is It So Important to Properly Maintain Your Tires?

Here at Hart Insurance, we provide auto insurance products to individuals in the greater Federal Way, WA area. While insurance is there to cover you in case of an accident, we hope that you will never have to use it. One way to minimize your chance of being involved in an accident is to maintain your tires properly. Read on to learn why this is so important.

Why Is It So Important to Properly Maintain Your Tires?

Your tires are one of the most important parts of your vehicle. They help your car to grip the road. If your tires are not adequately cared for, your vehicle may slide when coming to a stop, have trouble gripping the road when wet, or even blow out while driving, making a vehicle extremely hard to control.

What Steps Should You Take to Maintain Your Tires Properly? 

There are many steps you should take to maintain your tires properly. This includes ensuring your tires are always inflated to the correct PSI per your owner’s manual. You should also inspect your tires regularly, looking for signs of wear or damage. Lastly, always have your tires replaced when the tread starts to wear.

Properly maintaining your tires is one of the best tips to help reduce the chances of being involved in an auto accident. However, no matter what steps you take, you cannot completely prevent an accident from occurring. This is why it is so important to have auto insurance that protects you in case of an accident. Hart Insurance, serving the greater Federal Way, WA area, would love to help you with your auto insurance needs. Reach out to us today to get started.

What Does RV Insurance Cover?

If you recently purchased an RV (recreational Vehicle), you will need to ensure that you have the appropriate amount of RV insurance in place to protect your investment.

According to the experienced RV insurance agents at Hart Insurance serving the Federal Way, WA area, you must have at least liability insurance on your RV before legally having it on the road in Washington. This applies to your RV if it has its own engine, such as a motorhome. If you have a pull-behind trailer or other types of RV, you are not required to have liability insurance, but it is a good idea. If it comes loose from your vehicle, it can cause an accident, so liability insurance will still come in handy to pay for any property damage or injuries caused by the accident.

Uninsured and Underinsured RV Insurance

In addition to liability insurance, you can also obtain uninsured or underinsured coverage. This will help you if you become involved in an accident with someone who does not have the appropriate amount of insurance to cover damages to your RV.

Comprehensive and Collision Insurance Coverage

Comprehensive insurance coverage will assist you in paying for repairs or the replacement of your RV if it is damaged or destroyed by a fire, an act of vandalism, or a natural disaster. This type of coverage can also assist you in replacing your RV if it is stolen.

Collision insurance will help you pay for repairs to your RV if you collide with another vehicle or even a stationary object.

 A lender may require both collision and comprehensive coverage if you still owe money for the purchase of your RV.

Call For a Quote!

To obtain adequate insurance for your RV, contact the experienced and knowledgeable RV insurance agents at Hart Insurance serving the Federal Way, WA area today to get your policy started!

Three Signs You Should Upgrade Your Boat Insurance

If you’re a boating enthusiast in or around Federal Way, WA, you already know from experience how important the right boat insurance is. But you should never assume that just because a particular policy was a perfect fit for you years ago that it still is.

Many circumstances could call for a boat insurance upgrade, and we at Hart Insurance can help you figure them out. The following are just a few examples.

1. You’ve recently moved

Laws and other factors that could affect the appropriateness of your policy vary from state to state. So if you’ve recently relocated to Washington from out of state, it’s time to reevaluate your boat insurance situation. However, in-state moves resulting in changing needs or lifestyle circumstances should also trigger a policy review.

2. You’ve upgraded your boat

Whether or not a particular boat insurance policy is a good fit for someone has much to do with the boat itself. Factors like the age, estimated value, and motor type associated with the boat will naturally affect coverage. Upgrades can also be, so any updates to your boat should inspire you to revisit your insurance policy.

3. You’re not protected from uninsured boaters

Don’t simply assume that all states require boaters to carry insurance on their boats because many – Washington included – do not. And even if they do, there’s no guarantee you will never have a collision with an uninsured boater. So if your existing policy doesn’t protect you from uninsured boaters, you should upgrade as soon as possible.

Adequately insuring your boat is as important as ensuring your home, health, or auto insurance policies are thorough enough. So if it’s been a while since your last upgrade, contact us at Hart Insurance to ensure you’re adequately covered.

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

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. 

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