Do I Need To Get An Appraisal For My Classic Car?

You can know your classic car’s worth by having it appraised. All parties involved in selling or purchasing these works of art need to have an appraisal done before making any decisions. Whatever the reason for the evaluation, Hart Insurance in Federal Way, WA is here to help you navigate the process. 

Get To Know Your Classic Car’s Value

A classic car evaluation often costs between $100 and $500. In some cases, a more in-depth assessment may cost more, including photos and a detailed written report on the vehicle following a comprehensive check. Expenses go up as the inspection gets more involved. 

Depending on where you live, the appraiser may have to charge you for travel time. Travel time could cost as much as $60 or $70 an hour. It may be more expensive if they have to stay over the night. Some classic and antique automobile evaluations cost more than $1,000.00, and the clients who hire these appraisers would soon say they save them money in the long run. 

There are various factors to consider when it comes to an appraisal price on an older classic, antique, or vintage car. You’ll have to pay extra for a valuable vehicle to get it properly evaluated. It’s the same rule if you’re trying to sell your car. Another critical incentive to have a decent evaluation is insurance. Quality insurance is necessary if you’re betting more than $40,000 on the outcome. 

Choosing the Right Classic Car Appraiser Is Essential

Car exhibits and auctions dedicated to classic, antique, and vintage automobiles are good to start for a high-end vehicle. Expert appraisers are usually on hand at car exhibitions to assist attendees in determining the value of their vehicles. 

Specialist vehicle auctions are no different. You can find them by asking around; someone will likely point them out and give you their thoughts. Expertise in the market and the automobiles that fall within it are what you are looking for. If you take shortcuts, you could have a lower or higher value for your car than its worth. Are you stuck? Call Federal Way WA right away at Hart Insurance.

What Home Insurance Coverages Should I Consider?

If you own a home in Federal Way, WA, you need the right mix of home insurance policies to protect your investment against perils like fire, hail, lightning, falling objects, etc. But because you may not be an insurance expert, you may not understand the coverage options to include in your home policy. However, worry not because Hart Insurance is here to guide you every step of the way as you shop for your home insurance coverage.

Here are insurance options to consider for your home insurance:

  • Dwelling coverage: Since your building structure can be threatened by perils like fire, vandalism, and numerous natural disasters, you need to invest in home insurance to compensate for damage to your home.
  • Contents coverage: Home insurance not only covers your building but also protects the assets inside. For instance, if damage or loss occurs to your furniture and electronics, home insurance pays for the damage up to your coverage limit.
  • Liability coverage: This is one of the most underrated home insurance policies. Liability coverage protects you when accused of bodily injury or property damage by others. For example, if your canine friend bites someone, home insurance covers the medical costs and even legal suits if sued. Similarly, home insurance covers the damage if you cause property damage, such as reversing into a neighbor’s wall.
  • Loss of use: Suppose a peril like a fire consumes your home. Where would you and your loved ones go? You would probably seek a temporary shelter in a hotel. But since you hadn’t planned for such expenses, it can mess with your finances. However, the “loss of use” coverage covers additional living expenses until your house becomes habitable.

Are you looking for a robust home insurance policy in Federal Way, WA? Please get in touch with Hart Insurance.

Should I Update my Auto Insurance Policy?

Having auto insurance here in Washington is mandatory and one of the best gifts you can give your car. Auto insurance policy protects you against unfortunate incidences like thefts, accidents, or even fire. However, it would help if you had the right insurance policy from the start to avoid surprises during a claim.

Updating your insurance policy from time to time helps you have the right insurance. Most people like to stick to the initial policy even after making some changes, not knowing that failure to update your insurance can complicate your claim process. If you are asking whether you should update your auto insurance policy, Hart Insurance has prepared reasons for you to review your policy.

  • When you buy a new car: If you have just bought a new car, it’s time to let your insurance agent know. Most companies will allow you to move your current policy to your new vehicle. However, your premium may change depending on the new car’s value.
  • When you change the existing car’s use: Update your policy if you make significant changes to your current vehicle. Some of the changes may include notifying your agent about business use.
  • Moving to a new address: One of the key influencers of your policy cost is where you live. If you move homes, let your insurer know to determine whether there will be changes in your policy.
  • When you have a teen driver:  Your insurer may deny claims involving a teen or young driver if they are not on your policy. Having your young driver on your policy may give them prior insurance credits when they move out and need to start a policy of their own.

Auto insurance in Federal Way, WA 

Perhaps it’s also time you reviewed your coverages with us. Are you looking for auto insurance in Federal Way, WA, and its surroundings? Look no further than Hart Insurance for a coverage review and proposal.

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

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.

Competitions

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.