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.

Home Disaster Preparedness Kit Basics in Seattle, WA

No one wants to think that they may be stuck in their home during a natural disaster, but the reality is natural disasters happen in every state in our country. During a natural disaster, keeping your family safe and comfortable is a top priority and having a disaster preparedness kit will help you.

A disaster preparedness kit for your home in Washington should include these basics:

Food and Water:

  • Two week supply of bottled water
  • Two week supply of non-perishable food like crackers, protein bars, dried fruit, etc.
  • Infant food and formula
  • Pet food
  • Utensils and plates for each person

Shelter and Comfort:

  • Plastic sheeting
  • Duct tape
  • Sleeping bags for each person
  • Emergency blankets
  • Battery operated or hand crank radio
  • Emergency locator beacon
  • Multipurpose tool, such as a Leatherman
  • Flashlight (and extra batteries)
  • Hand warmers
  • Battery-operated cell phone charger
  • List of emergency numbers (including emergency contacts, insurance agent)
  • Copies of important documents such as insurance cards, IDs, home inventory lists, etc.
  • Books, toys or other entertainment items for children
  • Extra clothing/shoes for inclement weather
  • A first aid kit (make sure this kit has antiseptic, bandages, small scissors, aspirin or ibuprofen, hot and cold compresses)
  • “Help” or “Assistance Needed” sign
  • Feminine hygiene products
  • Diapers
  • Hand sanitizer
  • Personal sanitizing wipes
  • Surgical masks and gloves
  • Air horn or whistle
  • Necessary medications

Safety and Hygiene:

Of course you can add additional items to your disaster preparedness kit depending on the needs of your family. Store your disaster preparedness kit in an easily accessible area, make sure you check your kit often and update it as things expire. For more information about disaster preparedness kits, please visit Ready.gov.

We hope that you never need to use your disaster preparedness kit, but we hope that it will help get you and your family through the stress of a natural disaster. If a natural disaster does occur in our area, once your family is safe, call your insurance agent at Secord Agency in Seattle, Washington as soon as possible. They can help you get the claims process started. Whatever your insurance needs, the experts at Secord Agency can help. 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 like earthquake or flood insurance.