How can umbrella insurance protect me?

If you live in the Federal Way, WA area, there are a lot of insurance options that you need to choose from that can provide you with various forms of protection. One form of insurance that you will need to carefully consider is umbrella insurance. This is a form of personal liability insurance that can protect policyholders. A quality umbrella policy will protect you a number of different ways, which can make it well worth the investment.

Provides More Insurance Protection

One way that an umbrella insurance policy can help is by offering you more insurance protection. Most people will have some personal liability coverage already through their home and auto policies. However, if there is ever a very bad accident, it is possible the damages you are liable for could exceed your base policy. If you have umbrella insurance, the coverage could give you the additional protection that you need.

Covers More Scenarios

You could also benefit from an umbrella insurance policy because it could cover more situations that come with liability risk. While home and auto provide coverage for the most likely situations that could come with a liability claim, they are not as conclusive and an umbrella policy. If you invest in an umbrella policy, you will get the additional coverage you need to cover more liability risk situations. 

As you are looking for an umbrella insurance policy in the Federal Way, WA area, it is important that you discuss your insurance needs and options with someone that you can trust. The team at Hart Insurance can help you find a policy that will offer you the right type and level of coverage. Hart Insurance is able to do this by carefully assessing your individual needs and then building a policy that offers adequate coverage and peace of mind. 

Keeping Your Pets Protected

Pets deserve the best care

You know how important having regular checkups are for your pets, but did you know that you can get pet insurance that will help keep your friends healthy and happy? Hart Insurance, serving Federal Way, WA, can help you navigate the options for pet insurance to give you peace of mind. Having to make a difficult decision when your pet is ill and the procedure needed is too expensive to cover is every pet owner’s fear. It is possible to supplement those expenses with a pet insurance plan.

Dogs and cats make the perfect companions for people, and most people would give all they have to ensure a healthy pet. Unfortunately, pets cannot take care of themselves, nor can they tell you what’s wrong. Being able to bring them into the veterinarian whenever necessary is crucial, and having coverage through Hart Insurance is a great way to help with the cost. Veterinarians around Federal Way, WA, generally take pet insurance, and Hart can help you find the right plan. 

Pet insurance can offer you:

  • Financial Protection. Having a plan to fall back on when an expensive procedure comes up helps in so many ways.
  • Your Pet’s Gratitude. You may not think about it, but your pet relies on you for everything, including healthcare. 
  • Happy, healthy pets. You protect your family with insurance, why not your pet?

Hart Insurance has been helping clients since 1967 and will help you with every step of your insurance needs. Whether you have an existing relationship with Hart or are shopping for pet insurance, stop in or call and get the right pet policy for your needs.

What advantages does classic car insurance provide?

A classic car is a very unique asset that many people in the Federal Way, WA strive to own. This form of vehicle is often a dream for car lovers to own. While a classic car can be driven around the city, it are often considered an investment that is properly cared for and only taken out infrequently. If you do get a classic car here, it would be a good idea to get a classic car insurance policy as it provides some unique advantages to car owners.

Reduced Liability Risk is Reflected in Coverage

If you own a classic car, the number of miles that are driven each year are going to be much less than what someone would drive with a normal car. This then results in a liability policy that provides a lot less risk to the insurance company. The insurance provider is then able to offer rates that reflect this reduction in risk. 

Value is Agreed Upon

When you get a classic car insurance policy, you are going to want to make sure that your vehicle’s value is properly insured. This should include making sure the actual collectible and market value of the car is included in the policy. You can obtain this coverage by negotiating with the insurance company. 

If you are in the Federal Way, WA and want to buy a classic car, it would be a good idea to reach out to the team at Hart Insurance to discuss your insurance needs. The insurance professionals at Hart Insurance can help you to better understand the benefits that come with classic car insurance and how this unique form of insurance can protect you and your vehicle. They can then help you choose a policy that is ideal based on your situation. 

How to Find Out What Level of Home Insurance You Need for Your WA Home

Home insurance is a necessity if you have your own house. If you’re new to owning a home or new to living in Washington, you might not know the level of insurance coverage you’ll actually need for your WA home. Hart Insurance of the Federal Way, WA area can assist you. 

Dwelling Coverage in Washington 

At the least, you should have dwelling insurance in place. This coverage is to replace or repair your home after it’s been damaged or destroyed. It also applies to attached structures like a deck or garage. Replacement coverage will replace your house up to your policy’s limit amount. If you have guaranteed replacement cost in your policy, the insurance company pays the full replacement cost even above your policy limit. Be sure to talk to your agent to find out if this is something offered. 

Other Structures 

If you have other structures that are unattached but on your property, you should get coverage for them as well. A typical amount is 10 percent of the coverage you’d have for your dwelling. It may not cover buildings on your property that are occupied by renters or a structure that you use for business. It’s a good idea to ask your agent specifics so you know if you need an insurance rider. 

Personal Property 

Items that are inside your home such as appliances, furniture, and clothing would fall into a policy for personal property. Pay close attention to the wording since it may only cover the used value of the property instead of its full replacement value. 


If you’re concerned that someone could become injured on your property and you want to make sure you can cover hospital bills and possibly more, it’s ideal to have liability insurance. This is especially good to have if you’ll be hiring someone to do work on your property and they don’t have commercial insurance that would cover any expenses for potential injuries. Liability insurance also applies to neighbors and delivery people who enter your property. 

In addition to the above, you may want to talk to your insurance agent about natural disaster insurance that covers damage from floods, earthquakes, and landslides among other things. Contact us today at Hart Insurance, serving the Federal Way, WA region and we’ll do our best to put together an insurance package that works for you.

Home Insurance: The Roof Over Your Head

Home insurance protects your family and the investment you have made in the home you love. The unexpected can happen, but acquiring home insurance will keep you covered throughout the life of your home.

One area that homeowners should think about is the state of their roof. After all, the roof of the house protects residents and their property– it’s quite an important feature of a comfortable, happy home.

Federal Way, WA residents know that weather can change unexpectedly and can cause damage to your roof. One way to ensure proper maintenance is to fix nail pops on a regular basis. This can prevent leaks, which can lead to further damage.

Unaddressed nail pops can result in lost shingles during a bad windstorm. No one wants to go chasing after shingles during a storm! That’s why it’s a good idea to have your roof inspected periodically.

Your roof inspector will also check to make sure your flashing is in good condition and will look at roof vents for any damage. If you ever see water coming down through your ceiling, it’s a good idea to call a roof inspector right away to make sure the roof leak is repaired before any mold begins to grow.

Hart Insurance knows that you love your home and want to prevent lost shingles and leaks. But eventually, sometimes roof repair is necessary. Repairing a roof in a timely manner can delay the need for a fully replaced roof down the line.

If you have questions about your home insurance coverage, reach out to Hart Insurance to discuss your policy. After all, your home insurance policy is the roof over your head that mitigates the financial risks caused by damage to your home. A trusted home insurance agent provides security and confidence that will help you weather any storm. Federal Way, WA residents should reach out today.

What Coverage Is Included With RV Insurance?

For us at Hart Insurance in Federal Way, WA, RV insurance has several types of coverage. Although some types of coverage are optional, we will base this article on only the basic coverage. So, here is what RV insurance basically covers.

Bodily Injury Liability

If you cause an accident with your RV and someone gets injured. It is your legal responsibility to pay the hospital bills of the injured person. Also, if the injury sustained will prevent him from working, you should also pay him for loss of income. With your RV insurance policy in hand, this coverage will provide funds for both settlements. 

Property Damage Liability

Using the scenario above, we have talked about paying the medical bills of the injured person. There’s something left. In an accident, all the vehicles involved usually encounter different degrees of damages. So, this coverage will provide the funds to fix the third party’s damaged vehicle. Even if it’s not a vehicle, this coverage will repair the property as long as you were the one who caused the damage with your RV.


If you get involved in an accident and your recreational vehicle gets damaged, this type of coverage will provide the funds to fix the vehicle, whether you’re at fault or not. It also applies to the scenario described above. The other two types of coverage described above are meant to take care of the victims of the accident that you caused, but collision coverage will fix your vehicle. 


Without getting involved in an accident, it is still possible for your RV to get damaged. It could be vandalized, stolen, or razed by fire. Storms, floods, and other natural disasters could also wreak havoc on your RV. This coverage will take care of your vehicle when any of the perils happens.

Medical Payments

When you’re involved in an accident, regardless of who’s at fault, this coverage will pay your medical bills and that of your passengers, if any. 

For more information on RV insurance, contact Hart Insurance in Federal Way, WA, or book an appointment with us. 

3 Reasons to Buy Boat Insurance

If you own a boat or personal watercraft equipment, your homeowner’s policy may not protect you against liability and property damage. Anytime you take your boat or equipment out on the water, you’re at risk of an accident. Even storing your boat or equipment puts it at risk of sustaining damage. A boat insurance policy can protect you from both. Speak to an agency that serves Federal Way, WA like Hart Insurance. 

Personal Liability

Let’s say you’re enjoying a relaxing afternoon out on the water in your boat. However, as you go to make a turn, you accidentally crash into someone on a jet ski. The person sustains a personal injury and needs to go to the hospital. A boat insurance policy with the proper coverage limits can protect you from getting sued. 

Property Damage

Even if your boat or watercraft stays in storage, it is still susceptible to damage or theft. Strong storms often result in unexpected damage that a boat insurance policy can help you with. Your coverage needs will probably depend upon the size of the boat or type of watercraft equipment. Remember that unexpected accidents can also result in property damage or loss. 

Lender Requirements

If you’ve financed the purchase of your boat and have an active loan on it, your lender may require you to carry boat insurance. You’ll want to check to see what your lender has stipulated in terms of coverages and limits. If you don’t take out your own policy, the bank may take out force-placed insurance. This will likely be more expensive for you. 

Own a boat in Federal Way, WA, but don’t have insurance for it yet? Contact us at Hart Insurance today to find out how we can help!   


What is an Umbrella Insurance Policy?

Umbrella Insurance policy offers extra liability coverage exceeding the limits of home, auto, or watercraft insurance. It is an additional layer of security to those facing the risk of being sued for injuries caused to others or damage to other people’s property. The added liability cover is most useful to individuals who have lots of property or expensive property and thus have a more significant risk of being sued.

The policy acts as a fail-safe for your assets and savings. When a policyholder is sued for damages exceeding the liability of home or car insurance, the policy caters to the amounts still owed. In Federal Way, WA, Hart Insurance agents are available for consultations on favorable prices that assure you of a cover that suits your needs.

Who should buy an Umbrella Insurance Policy?

Are you a home or auto owner? Are you running a business? Umbrella insurance is for you!

Umbrella insurance coverage is mainly purchased by individuals who own property, people with significant savings, or people whose area of work involves dangerous activities that may result in injuries. Hart Insurance agents will advise you on a policy that best suits your area of concern.

Other areas that require this policy are individuals whose line of work faces the risk of lawsuits. This could be such as businesses involving a review of products, volunteer work, working in boards of non-profit organizations, among others. Umbrella insurance pays for your legal fees in case you lose a lawsuit or lawyer fees in case you win.

In Federal Way, WA, our insurance agents will help you compare quotes of different insurance carriers to ensure that they get value for your money. Our agents are customer-centric and professional and will only refer you to reputable insurance carriers and offer you a favorable quote.


Does Your Car Qualify for Classic Car Insurance?

In order to get classic car insurance in Federal Way, WA, your car has to qualify. Since classic cars appreciate instead of depreciate, classic car insurance is a bit different.

To qualify for this coverage, your car must meet one of these definitions. A classic car is 10 to 24 years old and also has a historic interest, such as being a muscle car or hot rod. Your car can also be considered an antique, which is more than 25 years old and has historic interest. Even if it’s a classic car but is more than 25 years old, it’s an antique for insurance purposes. You may find different definitions of antique but it only matters for insurance purposes. If you are unsure if your vehicle qualifies then contact an agent at Hart Insurance.

Your vehicle may not qualify if it’s a daily-use vehicle, it’s a commercial-use vehicle, it’s an off-road or recreational vehicle, or it’s a motorcycle with performance modifications.

There must be other conditions for your classic or antique car in Federal Way, WA. The vehicle will need to be used on a limited basis. The car will usually need to be restored, maintained, or preserved in the original condition or you must be undergoing restoration. You may be denied classic car insurance if the vehicle isn’t in excellent condition. You are also going to be required to store your car within an enclosed building in a safe space. These enclosed buildings include car condos, storage units, or private garages. Depending on the storage type, driveways, parking garages, or carports may be considered. Insurance may only be given to you as the driver if you haven’t had an infraction within the last three years. These infractions can include speed violations, reckless driving, or alcohol-related offenses.

Contact Hart Insurance to get a quote on classic car insurance. 

New Teen Driver in the Family? It is Time to Update Your Auto Insurance

Did you know that your auto insurance from Hart Insurance does not automatically change with the times? Now that your teen is driving around the Federal Way, WA area, you need to take a closer look at your existing policy and make sure that you are prepared for the inevitable fender bender that often comes with a new driver.

Review Your Liability Payments and Limits

You likely purchased your insurance policy ten to fifteen years ago and opted for the minimum coverage with your good driving record. Most of those minimum/maximum payment limits may take care of bumps, bruises, and a broken fender, but they will not provide sufficient compensation when your child takes out an SUV loaded with a family.

Comprehensive Coverage takes the Strain Off Your Shoulders

You have no time to handle all the details of finding a repair shop, taking bids, and sending out checks when your teen makes a mistake. Comprehensive coverage leaves all the running around to us, so the little accident remains a minor inconvenience.  We can coordinate the appraisal, tow, and repair for you and the other party and let you get on with your life.

Roadside Assistance Takes Care of Your Teen

Consider adding towing and roadside assistance to your policy, so when the battery is dead, there is a flat tire or your kid runs out of gas, they just have to make a simple phone call and a certified service company will come to their rescue. This is a huge help and reassurance when they travel to their new college or summer job.

Before your teen takes to the local Federal Way, WA roads, give us a call or come visit our office at Hart Insurance. Together we will find the right auto insurance policy to provide peace of mind and adequate protection.