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.

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.

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.

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.

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.

Do you believe your old, refurbished automobile is a classic car? It is time to get it insured. In order for a car to qualify as a classic car, for insurance purposes, you must have another car that is your daily use vehicle. When you insure your classic car, the company that writes your policy may limit the annual miles driven.

Do you live in Washington and need to insure a classic car? An agent at Hart Insurance can help. We can help in determining if your car meets the guidelines of being rated a classic car. In addition, we can write you a policy that will give you the amount of coverage needed to protect your asset.

The caring agents at Hart Insurance are here for your classic car insurance needs. If you live in Wasington, give us a call.  You will see Hart Insurance is more than just a name–we put our heart into insuring your classic car.

Anyone that lives in the Federal Way, WA area is going to be well aware of all the amazing recreational activities that are within a reasonable drive. If you want to experience all that this area has to offer, investing in your own RV is a great option. With an RV, you will have a place where you can sleep at night while also enjoying a safe mode of transportation. Anyone who buys an RV in this area needs to get insurance for it. Insurance is needed for a few reasons.

Insurance Protects RV

A key reason to get an RV insurance policy is so you can protect your RV. Buying an RV comes with a big investment and having it pay off in the future is important. If you happen to get into an accident or the RV is stolen, and you are uninsured, you could lose the asset entirely. This coverage is also needed if you have financed the RV with a new loan.

Insurance Will Protect Against Liability Risk

RV owners here should also obtain insurance as a way to mitigate liability risk. Anyone that drives any type of vehicle will be held responsible for accidents they cause while driving. Additionally, if someone is hurt in your RV when it’s not on the road, the owner can be found responsible. RV insurance will protect against these risks. 

Getting RV insurance is a necessity for those that own one in the Federal Way, WA. If you are looking for a plan in this area, it would be a good idea to call Hart Insurance. The team with Hart Insurance knows all about RV insurance and how it will protect an RV owner. They can offer you any support that you need to build and choose a new insurance plan.