What should my RV insurance cover in Federal Way, WA?

Your RV is both a vehicle and a home. Each is unique, offering a variety of sizes, furnishings, and amenities. Hart Insurance knows that your RV insurance should be just as personalized.

Located in Federal Way, WA, our agents can build an individualized policy that’s right for you. Although any plan is customizable with several available options, Hart Insurance shares five coverages you should consider including in any RV insurance package.

Collision coverage

It’s as simple as it sounds. This covers any damage that results from a collision. Most vehicle policies will include collisions, and it applies regardless of who is at fault.

Comprehensive coverage

Any damage or destruction that doesn’t result from a collision falls under comprehensive plans. Although every policy will list covered events, this likely includes natural disasters, falling objects, and theft.


Liability is common in nearly every insurance policy. This is recommended for motorized RVs. But these cover you, not the vehicle. Liability reimburses for bodily injury, property damage, and legal expenses if you are determined to be at fault..

Uninsured or underinsured motorist

Other drivers on the road could pose a risk too. Be prepared. If you are involved in an accident with another motorist who has inadequate insurance, this kicks in. Property damage, injury payments, and even lost wages may be covered.

Personal Property

While most of this list applies to auto insurance also, personal property policies are the exception. This is much more similar to homeowners’ or renters’ plans. Your belongings on the inside of your ride are protected against theft, damage, or destruction.

Find an agent serving Federal Way, WA

Select an RV insurance policy that’s as unique as your vehicle itself. Hart Insurance can help find the ideal plan that best protects your interests. Schedule an appointment today.

Common Boat Insurance Exclusions

One of the best ways to enjoy your watercraft in Federal Way, WA is investing in boat insurance from Hart Insurance. Watercraft insurance protects you and your boat from many perils including, accidents, fire, theft, falling objects, and so on. Regrettably, just like other insurance policies, your boat insurance has exclusions and exceptions — and knowing about these exclusions is crucial, especially when filing a claim.

Thought your boat insurance covers everything under the sun? I suppose you might be wrong. Here are the common risks that aren’t covered by your boat insurance.

Wear and tear

Like most things, your boat will start deteriorating over time. While boaters usually say that the more your boat is worn and weathered, the more you love it, your insurer won’t cover any replacements or repairs due to natural wear and tear.

Marine life

If your boat suffers damage from aquatic animals like sharks, whales, and octopi, it won’t be covered by your boat insurance. So, if you like sailing in waters habited by unruly creatures, you better talk to your insurance agent for a supplemental policy.

Pest and mold infestation

Your insurer expects you to take utmost care of your boat. As such, you won’t be compensated for any damage from pest and mold infestation. Luckily, you can consider periodic extermination services to keep pests away from your boat. Similarly, keep your boat clean and dry to keep mold in check.


Your typical boat insurance doesn’t cover events like racing and stunting. However, if you want to participate in such activities, talk to your insurer about supplemental insurance.

Since boat insurance is wide, there is so much to learn about this coverage, and you might get lost if you try to figure it out on your own. Want to learn more about boat insurance? Please get in touch with Hart Insurance of Federal Way, WA.

Frequently Asked Questions about Umbrella Insurance

You may have heard of umbrella insurance. Separate from your home or auto insurance, this type of coverage offers protection for your valuable assets. Since umbrella insurance is not as common as auto or home insurance, you may be unfamiliar with this type of insurance offered by Hart Insurance. Below, Federal Way, WA residents can get answers to some of the most common FAQs.

What Is Umbrella Insurance?

Umbrella insurance is supplemental to your standard insurance policies and offers an extra layer of liability protection. It offers additional protection on top of your regular policy by filling in the gaps and increasing coverage limits. When you are found at fault for an injury or property damage, the damages may exceed your policy’s limits, and this is where umbrella insurance comes in. 

What Does Umbrella Insurance Cover?

As mentioned, umbrella insurance provides an additional layer of protection when it comes to liability. This policy can be used to cover legal and court costs, settlement offers, etc. if you are sued for an accident on your property. It will also cover some of the risks that your other policy excludes, such as false imprisonment, defamation, and slander. 

How Does Umbrella Insurance Work?

Let’s assume someone sues you after an auto collision. Your auto insurance policy will cover the damages up to the policy limit. In the event the other party’s costs are more than this, you would ordinarily have to pay these expenses out-of-pocket. However, umbrella insurance covers repair costs, medical expenses, and legal fees that exceed your auto policy’s limit up to its own limit.

If you believe you could benefit from an umbrella insurance policy in Federal Way, WA, contact Hart Insurance today to speak to one of our insurance agents. We would be happy to answer any further questions you may have and help ensure you are sufficiently covered in the event of an accident.

Hart Insurance answers 5 common classic car insurance FAQ

Your classic car is one of a kind. It deserves insurance coverage that’s just as special.

Hart Insurance understands this more than most. Serving Federal Way, WA, the agency answers five common questions to help you find the right insurance for your vintage ride.

What is classic car insurance?

Classic car insurance is unique. These policies are highly specialized and tailored specifically for classic car owners. While many of the features are similar to traditional auto insurance, available options can be quite different.

How is classic car insurance different?

A key difference is that classic car insurance is considered "agreed valued coverage." This means that you and your agent agree on the car’s value when you purchase a policy. This value is often set by a professional appraisal.

What types of cars are covered?

Classic car insurance is also offered for antique, exotic, and custom cars. These are mostly determined by a car’s age and can fluctuate depending on the company. Modified or custom cars are sometimes tricky to insure. These alterations can be negative or positive for a car’s value.

Is my car eligible?

There will be restrictions on what cars qualify. In addition to meeting one of the above categories, drivers may face eligibility requirements too. Most importantly, classic car insurance holders must own another vehicle for daily use.

How much does classic car insurance cost?

Rates will vary depending on make, model, and mileage. However, classic car insurance is typically less expensive than regular coverage. This results from classic cars spending less time on the road and more time stored in a garage. Less driving equals less risk. 

Find an agent serving Federal Way, WA

Give Hart Insurance a call today. Their professional agents are waiting to "supe up" your classic car by providing a personalized insurance plan.

Is Auto Insurance Required in Washington?

In the state of Washington, it is required for all drivers of any type of motor vehicle to have at least a liability insurance policy in place. This type of policy will cover any damages or injuries that are caused by you in an accident. While having liability insurance in place is required, you may want to obtain additional insurance which the staff at Hart Insurance in Federal Way, WA recommends.

Underinsured/Uninsured Motorist Coverage

Had to have underinsured or uninsured motorist coverage in place in case you were ever involved in an accident that is deemed to be the fault of the other driver and that particular driver has no insurance or not enough insurance to cover the damages that were caused to your vehicle or injuries that you have sustained or those of your passengers.

Comprehensive Insurance

Comprehensive insurance coverage is very important because it will help you repair or replace your vehicle if it is stolen or damaged due to something like a natural disaster occurring or a fire or act of vandalism. If you still owe money to a lender for your vehicle, more than likely they will require that you have this type of coverage in place to also protect the investment they made in your vehicle.

Collision Insurance

Collision insurance is great to have in the event you collide with another vehicle or a stationary object. For instance, if you back into someone’s garage door and damage the door, collision insurance would help pay for the damaged garage door.

Call For a Quote Today!

Your policy started or to at least obtain a quote for your auto insurance policy, contact the insurance agents at Hart Insurance in Federal Way, WA.

RV Insurance in Federal Way, WA: FAQs

If you have an RV, you know how much fun it can be for the entire family. However, at the same time, like many things in your life, it is a significant investment. Because of this, you need to ensure that you have the proper insurance for it. Many Federal Way, WA residents have questions regarding RV insurance as first-time RV owners. Hart Insurance wants to help by providing answers to some of those questions below.

Is RV Insurance Required?

Since you will be driving your RV on the road, you will need to carry a certain amount of insurance on it. The amount of coverage will vary from state to state, so check with us at Hart Insurance to determine exactly how much liability insurance is required.

What Does RV Insurance Coverage Offer?

Apart from liability protection, you can also get collision and comprehensive coverage to cover damage to your RV, repair costs, and coverage for damage that occurs in a non-collision incident. You can also consider uninsured and underinsured motorist coverage to help pay for the damage in the event that you are in a collision with someone who does not have proper insurance.

How Much RV Insurance Should Be Purchased?

Ultimately, you should take into consideration the type of RV that you are insuring. For instance, a luxury RV will require additional coverage since it will cost more to repair/replace in the event of significant damage. In addition, you should consider the value of the items inside of the RV. Due to the fact that there are multiple variables that can affect the amount of insurance to purchase, you should make an appointment with an agent to discuss your individual situation and needs.

What Kind of Factors Can Affect Your RV Insurance Premiums?

Similar to auto insurance, RV insurance premiums are impacted by the RV’s value, the contents of the RV, your driving history, how often the RV is driven, the deductible chosen, etc.

If you are insuring your RV for the first time, don’t hesitate to contact us at Hart Insurance. We understand that insurance in Federal Way, WA can be confusing, so let us help you figure out what works best for your situation.

Types of Boat Insurance Policies

When you contact Hart Insurance about boat insurance for your boat moored or drydocked in Federal Way WA, you might expect a single policy that covers everything that could happen to your boat. That’s not how boat insurance works though.

Boat policies work in a way similar to auto insurance. You have a choice of multiple coverage types, such as comprehensive and collision, medical payments, property, bodily injury, etc. The foundation of boat insurance is liability coverage for property damage and bodily injury. From there, you add to the policy to build the insurance package that you want.

Your bodily injury coverage covers costs for treatment and settlements for injuries you cause up to the insured limit. You choose the limit, typically in increments of $5,000. You might choose $100,000 of bodily injury coverage, for example.
Property insurance coverage covers the costs of damage you cause to another individual’s boat or vehicle. You also choose the coverage amount of this.

Comprehensive coverage protects your own boat. If tree branches fall on it or children playing paintball spray it with paint, this policy pays you for the repairs. This typically has a deductible which you choose.

Collision coverage protects your boat no matter what it collides with – another boat, a tree limb under the boat, roots in the swamp, a truck that hits it while you launch it from the boat ramp, etc. This policy pays for your repairs.

Medical payment insurance takes care of your medical bills and those of your passengers if you become injured in an accident. It kicks in if the other boater who caused the accident did not have insurance or if their insurance did not cover your injuries. It kicks in if you become involved in a single boat accident. For example, you hit a tree stump that is fully submerged, and the impact ejects you from the boat. This insurance covers your injuries.

Contact Hart Insurance serving Federal Way, WA to learn more about boat insurance. Let us help you protect your maritime investment, personal health, and the health of your passengers.

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.