Boat Insurance Seattle, WA

Don’t Settle For Cheap Boat Insurance – 3 Coverage Options to Consider

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Boat Insurance Seattle, WAWith summer upon us, many of you will be getting your boats out or maybe even buying a new one. When it comes to insuring your boat, you don’t want a policy that is the least expensive – you want the right coverage. Boating season is so much fun and being on the water carries a certain risk. When you’re shopping for boat insurance, be sure that your policy includes three specific, and sometimes optional coverages:

  1. On-Water Towing: If you’re out on the water and you boat breaks down or runs out of gas, this coverage will cover the cost of: getting you gas, soft un-groundings, towing your boat back into shore, jump starts and more. Don’t go without this coverage. Getting your boat towed on the water can be expensive.
  2. Wreckage Removal: If your boat sinks, and it is required by law to remove it, this coverage pays up to the liability limits of your policy to bring your boat to the surface and remove it from the water.
  3. Fuel Spill Cleanup: If you boat sinks or simply leaks fuel into the water, this coverage pays to clean up the fuel. The amount paid depends on your liability limits on your policy. Be sure you get enough liability insurance.

Owning a boat is a great adventure and the memories built on them are second to none! Give yourself the peace of mind by purchasing a boat insurance policy that not only protects you, but also protects those around you and your passengers. Many optional coverages exist and we can assist you in understanding what each of them means and find the right insurance policy for you.

Home Inventory Checklist Seattle, WA

Can you name every valuable in your home? If not, you need to read this.

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Home Inventory Checklist Seattle, WANobody wants to experience a home disaster & it’s not like you can predict when one will happen. If you were to experience a fire, flood, earthquake or other home disaster, would you be able to name every single valuable in your home? If not, you need to create a home inventory list of all your valuables.

Preparing a home inventory can be a large task, but taking the time to do so can make a difference of thousands of dollars when it comes to your claims settlement as well as simple ease of processing your claim.

For many of us, where we live symbolizes us and what is in that house symbolizes our lives. Our belongings represent our memories, personal style and even investments that hold significant value such as art.  When you add up how much all of your personal items are worth, it can be a substantial figure into the many 10s of thousands of dollars or more.

Home insurance claims from disasters such as flood or fire are traumatic. A home inventory checklist can help you remember quickly what items you had. Would you recall exactly how many pairs of jeans you had and what brand they were? Would you recall how many pairs of shoes you had or what brands they were? What about art? Could you recall the name of the artist and how much you paid for it?

The Easiest Way to Create Your List

Taking the time to inventory your home can be useful in the event of theft or damage to the contents of your home.

  1. Take pictures of every room in your home. Then, take pictures of each valuable in the room.
  2. Take a video of every room in your home.

Note: be sure to store these pictures or video in the cloud as a backup so you don’t lose it in the fire or flood too!

If you were to experience a home disaster, having this list will significantly cut down on how much time and stress you deal with when it comes to your claim settlement.

What Valuables in Your Home Need a Separate Endorsement?

Remember, valuables like art, furs, comic books, antiques and jewelry need an endorsement on your current home, condo or renters insurance policy.

The good news is your insurance agent likely gave you sufficient coverage for your personal property. If you feel like you need more, be sure to tell your agent. Home, renters and condo insurance policies typically come standard with this coverage but you might need more.

Scooter or Moped Insurance Seattle, WA

Do I Need Insurance on My Scooter or Moped?

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Scooter or Moped Insurance Seattle, WARiding a scooter or moped isn’t only fun, but you look great riding one. The benefits of using a scooter to get around aren’t only limited to fun, fuel economy and ease of parking. Insurance is cheap too!

There are many situations where you may wonder if you even need insurance on a moped – I mean, what is the worst that can happen, right? Well, the same risks that exist with driving a vehicle exist on scooters as well, so insurance is always required when riding one.

Here are three claims scenarios where having scooter or moped insurance policy would benefit you:

  1. You driving along with your scooter, it starts to rain and you lose control of your moped while going around a corner. While you fall off and manage to avoid injury, your scooter slides up onto the curb and hits a bystander. You would be liable for “failure to maintain control of your vehicle” and be liable for the injured parties medical bills. The same thing that happens in car accidents.
  2. You’re driving around a friend who is visiting you from out of town. The two of you pile onto your Vespa and cruise the town. After a stop at a pub, you think you’re okay to drive. On the way home, you’re driving and rear-end a stopped vehicle. You and your friend are injured and you’re now liable for your friend’s medical bills and potentially lost wages.
  3. You decide to take your moped on a cruise out to the countryside. Unbeknownst to you, you forget to fill up the tank and run out of gas in the middle of nowhere. Fortunately, you purchased a roadside assistance policy and call your insurance company for a fill-up.

Driving a scooter is fun and insuring one isn’t expensive when compared to an auto insurance policy. It is important not only for you to protect your financial future, but to protect those that are around you as well, including any passengers. Be smart, protect yourself with a scooter or moped insurance policy.