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.
As spring arrives and the weather slowly begins to warm up, it’s time to start thinking about de-winterizing your car. Just a few simple steps can refresh your vehicle, making driving safer and avoiding costly repairs down the road. This is why Hart Insurance Federal Way WA has put together this handy guide to spring vehicle safety for the Federal Way, WA area.
1. Maintain Your Tires
Once temperatures rise over 45 degrees, change from your winter tires to a good all-season tire. You may also want to consider all-weather tires, which may be used all year long, though the selection for this type is currently small. New tires are best, but if you are putting on used tires ensure the treads are okay. Tires should always be within their recommended pressure range which is usually 30-32 psi.
2. Check Your Fluids
Clean and optimal fluids keep your vehicle running at its best. Dirty or insufficient oil in your engine risks mechanical parts breaking down. Coolant and antifreeze are run through the wringer during winter, so it’s important to make sure that their levels are adequate. Brake fluid should be changed every one or two years. Additionally, fluids such as transmission or differential fluid need to be changed every 60,000 miles.
3. Inspect Your Air Filter
Dirty air filters can reduce your gas mileage up to 10% and drastically impair your engine performance. Luckily, replacing an air filter is easy to do at home, and should be a regular part of your seasonal vehicle inspection.
4. Be Insured
This may sound obvious coming from us, but having the right auto insurance policy does help when things go wrong. That’s why Hart Insurance wants to make sure everyone in the Federal Way, WA area has a policy that fits their needs. Whether you’re sticking to home or planning a big trip this spring, visit our site today to request your comprehensive auto insurance quote
An RV is not your average vehicle in Federal Way, WA. Not only does such a vessel serve as a way to commute around town, but a motor home is also a great option when taking family trips through other parts of the state. The agents at Hart Insurance can help you determine how much RV insurance you need to feel fully protected.
What does RV insurance cover?
The average RV insurance plan pays for damages in an at-fault accident as well as appliances damaged by an incident not caused by a natural disaster.
A standard RV indemnity plan does not pay for flooding or fires caused by Mother Nature. You need additional protection for such financial backing.
How much RV insurance is required?
Washington State requires drivers to furnish proof of at least liability insurance that pays a minimum of $25,000 ($50,000 per incident) for bodily injury and the same for property damage. You also must have underinsured/uninsured motorist protection that pays at least $25,000 per incident.
How much RV insurance do you need?
The bare minimum is not enough when you own an RV in Federal Way, WA. You want to purchase a good indemnity plan that also covers expenses related to damages on the grounds where your RV is parked. It is also a good idea to invest in roadside assistance as towing costs are multiplied for motor homes.
The agents at Hart Insurance can help you secure an indemnity policy that ensures your RV is fully protected. Call them today to get started with a quote for coverage or to ask more questions about how much RV insurance you may need in Washington State.
If you are a boat owner in the city of Federal Way, WA, you might want to know more about boat insurance. To get the right information, it would be a good idea to consult with a firm such as Hart Insurance.
There are many boat owners in the state of Washington. This makes sense, as there are many lakes and rivers, as well as the Pacific Ocean nearby. If you own a boat or are interested in owning one, it would definitely be good to look into all of the benefits that come with having the right boat insurance coverage. It is not actually required by the state of Washington, but it is definitely a responsible thing to do and a good idea.
There are many different types of boat insurance coverage from which you can choose since it is not actually required in Washington. The two basic types of boat insurance include agreed value policies (in which boats are covered based on their value when the policy was written), and actual cash value policies (which will take depreciation into account).
In addition to this, there are different types of boat insurance coverage. Specialized coverage covers specific items on your boat, such as navigation equipment. Salvage coverage will pay to remove your boat from an area when you have damaged. Consequential damage will cover a loss that was the result of wear and tear. Towing coverage will cover the expenses when it comes to towing your boat across a body of water. Cruising extension coverage can cover you if you are planning on leaving the United States.
If you are interested in learning more about boat insurance in Federal Way, WA, you should consider contacting the professionals at Hart Insurance. They will be able to answer any questions that you might have about boat insurance and perhaps suggest policies that would be of use to you.
Umbrella insurance is an important type of insurance to carry to protect yourself financially. Your assets could be at risk if you’re not carrying this type of coverage. At Hart Insurance, we provide umbrella insurance coverage to consumers in Federal Way, WA.
Unfortunately, there are a lot of misunderstandings out there regarding what umbrella coverage is and how it works. The following are three common misunderstandings regarding umbrella insurance that you should be aware of.
You don’t need umbrella coverage unless you are very wealthy.
You shouldn’t assume that you’re not wealthy enough to be sued. Regardless of how wealthy you are, you could become the target of a lawsuit. Don’t think that you don’t need umbrella coverage just because you don’t have a super high net worth.
Umbrella coverage isn’t necessary if my auto and home insurance maximum coverages are high.
The coverage maximums on your auto and home policies most likely can’t go any higher than $500,000. However, liability costs could easily top $500,000 in the event of a severe accident. That’s why umbrella coverage is important to enhance any auto or home insurance policy. It’s also important to note that umbrella coverage can enhance other types of policy like boat insurance policies.
Umbrella insurance covers my property.
When you buy umbrella coverage, it’s important to understand that umbrella insurance is a form of liability protection. It doesn’t cover the costs of damages to your property. However, it can protect your assets by covering large expenses from lawsuits against you that you might otherwise have to pay for by losing valuable assets.
It’s important to do your research before you purchase an umbrella insurance policy in Federal Way, WA. At Hart Insurance, we can help. Contact us for answers to any questions you have about umbrella insurance coverage.
Classic car insurance in Federal Way, WA might seem unnecessary if you keep your car in the garage. We won’t lie, a garage or storage facility is a major protector. It’s such an important factor that insurance companies will tailor the price of the policy based on the answer to this question. However, before you dismiss it entirely, Hart Insurance has a few things for you to consider.
If you’re storing your vehicle in a garage at all times, either because you want to preserve it until a certain event or because you’re fixing it up. The odds are that it will stay safe from thieves, and collisions. Yet a storage facility or garage isn’t an impenetrable bubble either.
If you have people coming and going out of the structure, whether it’s you or your family, there’s always a chance that something could happen. Even if the garage isn’t used on a regular basis, everything from time to Mother Nature has a way of making its own changes that owners aren’t prepared for. So if a tree happens to fall on the facility after a year or two, classic car insurance can certainly come in handy.
Get Some Advice
The best way to make the decision if you live in Federal Way, WA is to talk to someone who’s seen it all. There’s no use in being afraid of everything that could potentially happen to your classic car — some things are simply out of your control. But there’s also no use in denying the facts either. If you want to a more informed classic car owner, reach out to Hart Insurance to ask the questions and get the answers that will help you decide.
You already know that you have to have liability insurance to stay legal on the road here in Federal Way, WA. But did you know that there’s an optional first-party coverage that helps protect your vehicle from natural disasters, theft, and fire? Keep reading to learn more about comprehensive insurance coverage from our Hart Insurance team.
What is Comprehensive Insurance?
Comprehensive insurance is first-party coverage that pays to fix your vehicle in the event of a natural disaster, such as a storm, hail, or even a falling tree. It covers incidents involving animals, such as a bear causing damage or hitting a deer. And the coverage also covers some other situations that aren’t caused by nature, such as theft, fire, and vandalism.
You are usually subject to a deductible, which you select at the time you purchase your policy. Most people stick within the $500 or $1,000 range, but this really comes down to personal preference. Your deductible is paid directly to the repair facility after damages are fixed.
Is Comprehensive Insurance Mandatory? Do I Have to Have It?
A lot of people wonder if this is a mandatory type of insurance. The answer to this is both yes and no. Comprehensive coverage is not legally required to carry, but your finance company likely has it written within your purchase contract that you must have it. Thus, if you’re still making payments on your car, you’ll want to make sure you have comprehensive coverage and collision coverage to protect the investment.
Are you looking for an auto insurance quote in Federal Way, WA? Please contact our Hart Insurance team today to schedule a no-obligation coverage review appointment.