Hosting a Party in Seattle? What to Know about Personal Umbrella Insurance

Summer is a great time to throw parties. BBQs, birthdays, Fourth of July celebrations or just for no reason at all, the summer is when it happens. From the cleaning, the shopping and the food preparation, a lot of thought gets put into the needs and comfort of your guests. While there are many things that may cross your mind in regards to your party, it may not occur that if the party does not go according to plan and someone is injured or gets sick that the hosts of the party could be held liable.

In the event that someone gets injured at a gathering you throw at your home, your homeowner’s insurance policy in Seattle, WA may cover the injured parties medical bills or damages to a certain dollar amount. Having an extra bit of protection like a personal umbrella insurance policy in Seattle, WA may help in these situations, as it can also help with a legal defense if you are sued for an injury or death that occurs on your property or when your guest leaves (too much alcohol).

Personal Umbrella insurance in Washington:

  • Unforeseen events: Most parties go off without a hitch, no problems, and no injuries. Every so often something goes awry. It can be as simple as a sprained ankle from slipping off the porch steps to food poisoning from improperly refrigerated potato salad to a DUI or alcohol poisoning. If the party where the injury took place occurred at your home and you are deemed negligent, you may be responsible for paying damages to those injured parties and a personal umbrella insurance policy may help you minimize the out-of-pocket costs to you.
  • Intoxication: Depending on the laws in your city/state, a person who consumed alcohol at your party and injures someone else as a result of a DUI crash could hold you liable to pay the victim damages. There are a few ways to mitigate your liability: hiring a third-party to tend bar, like a catering company. These companies are responsible for having their own insurance and it is a lot easier for them to stop serving alcohol to an intoxicated person; they know all the signs to look for. If you are not able to hire an outside party to handle the liquor at your party, stick with only a few options for adult beverages like wine and beer. Having multiple types of liquor may increase the risk of someone having too much to drink.
  • A little prep: Before you have your party, take the time to make sure that your yard (or party area) is free of uneven patches of ground, mounds and holes. Make sure that entryways are clear of tripping hazards and that low hanging lights are high enough that tall heads won’t get tangled up. Taking a few extra steps may help ensure that your party is safe and fun.

If you plan on taking advantage of the summer weather by throwing a party, make sure you have all the protection you need. If you have any questions about what a personal umbrella insurance policy may cover or what your homeowner’s insurance policy covers in terms of fire, property damage or personal injury liability, your licensed insurance agent in Seattle, WA can assist you.  The local, independent agents at Secord Agency can assist you with examining an existing policy or setting you up with a new policy. Their years of insurance experience can save you a bundle. You can also visit their insurance website 24/7 to learn more about personal umbrella or the other insurance products they offer like auto insurance.

RV Insurance in Seattle – Is your RV Coverage Right for you?

You are enjoying your family road trip or living full time in your RV. Seeing the country one highway at a time and making lasting family memories. The last thing you want is an accident or lawsuit that will take up valuable time and resources. Taking the proper precautions like making sure you have a first aid kit, fire extinguisher and have the appropriate RV insurance in Seattle, WA can go a long way to keeping your family safe and giving you peace of mind while you are enjoying all your RV has to offer. Primary RV insurance policies in Washington: Full Timers Coverage: Do reside primarily in your RV? Whether is it is permanently parked or you roam across the country, an RV insurance Full Timers Coverage policy helps protect your RV like homeowner’s insurance.

• Liability coverage if you are responsible for an accident on your property

• Medical payments for an accident for which you are responsible • Coverage if your property is damaged or stolen

• Contents of a storage shed near your property Vacation Liability: Your local, independent insurance agency in Seattle, Washington can assist you with an RV insurance vacation liability policy for your RV. When vacationing, there are certain situations that you may not have control over when your RV is parked:

• Injury of a third-party by equipment owned by you or around your RV • Injuries to a third-party by an animal under your care

• A fire caused by sparks from a campfire, vehicle back-fire, etc. The most important think to know about a Vacation Liability policy is that it covers events while your RV is parked, not while it is moving. There are many options out there when looking to cover your RV and your local independent agents at Secord Insurance Agency can help you navigate your options to find the best coverage for your needs. They can also assist with an off road vehicle policy for your other summer toys. Whatever your insurance needs, talk to the experts at Secord Insurance Agency in Seattle, Washington. Their years of insurance experience can save you a bundle! You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer.

Boat Insurance in Seattle, WA – Options from Secord Agency

The sun is shining, the water is warm and boating season is upon us. By now you’ve probably prepped the boat, made sure your boating license is valid and planned outings with family and friends, but have you looked at your boat insurance? There are many coverage options available in Seattle, Washington, and using a local, independent agent guarantees that you will have many coverage options, so you can pick a policy that suits your needs before heading out to the water.

  • Bundling: It may not be possible to bundle your boat insurance with an existing policy, like homeowner’s insurance, as there may be restrictions on the type of boat you own. In order to fit under a homeowner’s insurance policy, boats may need to be under a certain length and under a certain price point.  There is a down side to having your boat covered under a homeowner’s insurance policy: specialized coverages may be limited or not available.
  • Specialized Coverages: These types of coverages can include On-Water Towing, helpful when your boat runs out of gas or has a mechanical issue mid-outing. Fuel Spill and Wreckage Removal may help keep you covered in the event your boat leaks fuel or if there is an accident; otherwise you may be on the hook for clean-up expenses. You may also want to consider Uninsured Boater coverage. Just like Uninsured Motorist coverage for your car or truck, this may help with expenses if your boat is hit or damaged by another boater without proper insurance coverage. Specialized Coverages may also include Personal Effects coverage.
  • Travel: Planning to sail your boat to the Bahamas? Can we go with you? Whether you are sailing your boat to a sunny tropical locale or sailing her on a tranquil lake in Canada, you need to make sure that your insurance covers travel outside your state and country. Some insurance plans may cover waterways in the continental U.S., but may not cover international waters or may only cover a boat in international water within a certain mile radius from the U.S. coast. Check with your agent to see if your plan coverages international travel.
  • Replacement: We hope that you never have to replace your boat due to an accident. In order to avoid costly out-of-pocket expenses to replace your boat, make sure that you have the appropriate replacement coverage in place long before you hit the water. There are two options for replacement coverage: Total Loss Replacement and Agreed Value coverage. Total Loss Replacement is just that, a replacement of your boat. However this type of coverage may not be offered by all insurance carriers, more likely than not the carrier will provide Agreed Value coverage. This is the value of your boat, agreed upon by you and your agent before you sign the policy.

There are many options out there when looking to cover you boat, your local independent agents at Secord Insurance Agency in Seattle, WA can help you navigate your options to find the best coverage for your needs. They can also assist with a personal watercraft policy for your other water-traveling toys. Whatever your insurance needs, talk to the experts at Secord Agency in Seattle, WA.  Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer.