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. 

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.

Collision

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. 

Comprehensive

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. 

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.

 

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. 

With winter fast approaching, you’re probably making plans to store your RV until the snow thaws and you can hit the road again next spring. Even in storage, however, your RV needs insurance protection to keep it safe from the unexpected. Rather than paying for full insurance protection during winter or canceling your policy, consider what off-season RV insurance coverage from Hart Insurance in Federal Way, WA has to offer. Here are a few good reasons to maintain off-season RV insurance for your valuable RV investment.

Theft or Vandalism

There’s always the risk of your RV being broken into, stolen or vandalized while in storage. Without insurance coverage, you could suffer a substantial loss. Rather than canceling your policy altogether, you can alter your RV coverage to maintain property protection against such perils as theft, vandalism, fire, storm damage or another unforeseen disaster. You’ll have greater peace of mind that your vehicle is protected from harm with this coverage.

Liability

When on the road, you need high liability coverage to protect you against serious accidents. During the off-season, however, you can save money by lowering liability to minimum limits. This way you’ll still have some protection without having to pay full premium prices.

Discounts

By maintaining some RV insurance year-round, you could qualify for a discount on your policy. This can offset the cost of protecting your vehicle during the off-season. If the weather clears before spring and you get the opportunity to use your RV for a special occasion, you’ll have coverage in place for the day or weekend without having to scramble to reinstate your policy. Off-season RV insurance offers a viable solution to protecting your RV during winter and saving money on your policy.

To learn more about off-season RV insurance protection, contact Hart Insurance in Federal Way, WA today.

Boat ownership can be a great way to add some adventure and fun into your life. Making sure that your boat is properly insured will help the fun last even longer. Here at Hart Insurance, we want to make sure that you understand boating insurance and how it applies to you in Federal Way, WA and surrounding areas. Here are a few things you should keep in mind when considering boat insurance. 

Your Homeowner’s Policy Isn’t Enough

Many boat owners are under the impression that their homeowner’s insurance will cover their boat. This is often not the case. Homeowner’s insurance will cover a boat that is housed on your property, but usually, this is only for small boats with no engine or very small engines. Larger, more expensive boats most definitely need their own policy. 

How Is Boat Insurance Different?

Boat insurance is different from home and auto insurance in a few ways and similar in many ways. The similarities lie in the fact that boat insurance will cover liability in case someone is injured on your boat, and it will provide comprehensive coverage in the event that the boat is damaged or stolen. One nice difference in boat insurance, though, is that you have the option of deferring coverage for time periods in which the boat is not being used. This is very handy and can save you money since most people only use their boats some of the time. 

You should keep in mind that some policies cite that when the boat is out of the water it is no longer covered under the boat insurance policy. If the boat is attached to your car it might be covered under your car insurance. If it is housed at your home, it would be covered, to some degree, under your homeowner’s policy. Be sure to discuss these details in depth with a trained insurance specialist at Hart Insurance now serving Federal Way, WA and surrounding areas.