Tag: Bellevue WA

Umbrella insurance is not what most people consider. However, it is a very beneficial type of insurance that can offer you the extra protection you need. If you are wondering when you should consider buying this type of insurance, here is a list of possible common scenarios.

When Should You Think Of Buying Umbrella Insurance?

• Your assets are at risk. If you own valuable assets, such as a home, cash, investments, or irreplaceable personal things, umbrella insurance can shield you from potential claims that go beyond your standard coverage limits.
• Engagement in activities with higher liability. If you own a swimming pool, for example, and invite guests, then you will benefit from having umbrella insurance. Playing sports is another high-liability activity, and if you engage in any kind of sport, umbrella insurance is something you may need.
• You own pets. As a dog owner, you should understand that dogs can occasionally cause mishaps that lead to injury or property damage. Umbrella insurance may provide protection in the event of a lawsuit if this occurs.
• Teen drivers. If you let your teenager operate your vehicle, your auto insurance risks may increase. Umbrella insurance may offer additional protection in cases when young and inexperienced drivers are involved in collisions.

Securum LLC Is Here To Help

As you can see, umbrella insurance can be beneficial in multiple situations. Even though it is not a mandatory type of insurance, you should still consider having it as an extra layer of protection. If you live in Bellevue, WA or any other nearby town, we can help you buy umbrella insurance. At Securum LLC, we serve clients in Bellevue, WA and specialize in different types of insurance, including umbrella insurance as well.

Car accidents are an unfortunate reality in Bellevue, WA. Securum, LLC is here to help you navigate the process of filing an auto insurance claim after an accident.

What to Do After an Accident

Take Care of Yourself and Others Involved

After a car accident, your safety and that of others involved should be your top priority. Check for injuries and seek medical help if necessary. If there are injured people, it’s important to call emergency services immediately. If possible, you should also move your vehicle out of traffic and turn on your hazard lights.

Gather Information

Once you’ve attended to any medical issues, gather as much information about the accident as possible. This includes the contact information of all drivers, passengers, and witnesses involved. Get the insurance details from the other driver(s), and take pictures of the damage to all vehicles involved.

File Your Claim

Many auto insurance companies have a mobile app or online platform for filing claims. Submitting an accurate account of the accident and supporting documentation, such as medical bills or repair estimates, can help speed up the claims process.

Follow Up and Stay Involved

After filing your claim, it’s important to stay in touch with your insurance company for updates and to answer any questions they may have. Make sure to keep all documentation related to the accident and your claim in case it’s needed later. You may also consider getting legal advice if the claim becomes more complex.

Keep Your Insurance Updated

Car accidents in Bellevue, WA can be stressful and overwhelming, but knowing what to do and having the right insurance coverage can make all the difference. Remember to prioritize safety and care for yourself and others involved in an accident. Call Securum, LLC if you have any questions or need help.

There are many types of businesses, each using the tools and processes needed to succeed. Likewise, you can ensure you have the insurance coverage that fits your business through a conversation with a qualified insurance agency like the Securum LLC team serving the greater Bellevue, WA community.

Types of Commercial Insurance

While every business has unique commercial insurance needs, your insurance package should cover what your business owns and your business’s liability when it is responsible for losses and injuries to others. Depending on the nature of your business, you should consider the following basic forms of commercial insurance:

• Commercial Property: Fire, smoke, wind, and vandalism
• Cyber Insurance: Data breaches, cyber-attacks, and similar issues
• Commercial Automobile: Vehicles and trailers in business use
• Commercial General Liability: Bodily injury, property damage, medical expenses, and similar losses on your properties or due to your products and services
• Errors and Omissions / Professional Liability: Malpractice, errors, and negligence on your part
• Workers Compensation: Employees who are injured or become ill while working for your business
• Commercial Umbrella: Losses exceeding the policy limits of your standard policies

Small businesses can consider a Business Owner’s Policy (BOP) which bundles several types of coverage and is simpler. Likewise, some home-based businesses can add a rider to their homeowner’s insurance to cover business equipment and third-party injuries.

While there are many types of businesses and commercial insurance, your coverage should meet your business’s legal and contractual obligations while ensuring you are comfortable with your risk exposure.

We Are Here To Help

Securum LLC proudly serves the business community in Bellevue, WA and can structure coverage to protect your business against unforeseen events. Please stop in or call us today to discuss your commercial insurance needs and options.

Retaining home value isn’t only important for those looking to sell. Your home’s value can help you in a lot of ways, and there are steps you can take to ensure that your home’s value is always rising. Here at Securum LLC, serving Bellevue, WA and the surrounding areas, we want to help clients get the most out of home ownership.

Here are a few ways you can increase your home’s value:

Regular Maintenance

If you really want to retain your home’s value well, don’t wait for things to break. Most large home repairs could have been avoided if homeowners had not procrastinated on basic home maintenance. Things like pest inspections, changing out air filters for HVAC, having HVAC tuned, and keeping up with septic tank maintenance are all important tasks you should stay on top of to avoid damage to your home and help retain home value.

Update

Even if you are not very concerned with keeping up with home trends, there is something to be said about updating your home every few years. Keeping your home updated not only makes the home look and feel better but it also really helps to keep your home’s value equal to those in your area. Updates can include exterior or interior changes in aesthetics, lighting, colors, materials, technology, and more.

Energy Efficiency

This is a great way to both retain or improve home value while also making your home better for you and your family. There are so many ways to increase energy efficiency in your home. One way is to have your windows inspected by energy experts to see if replacing windows would be a good idea. Often windows are a huge point of losing energy. Having insulation replaced and improved is another way.

Reach Out To Us

If you would like to learn about home insurance, please contact us at Securum LLC serving Bellevue, WA and the surrounding areas.

Renter’s insurance is something that often goes overlooked by most tenants. Though it’s not uncommon for landlords to ask their renters to have some type of protection, you are not legally required to have it. This leads to countless individuals going without renter’s insurance in an effort to save a bit of money each month. 

Unfortunately, should something happen to your home or apartment, the lack of insurance coverage could cost you tens of thousands. In addition, renter’s insurance covers more than just your personal property. It can also help cover legal costs should you be sued for accidental bodily injury or property damage.

Questions to Ask Your Agent

When shopping for renter’s insurance, it’s of the utmost importance that you ask questions regarding the policy and exactly what is and is not covered. This can help you avoid unwelcome surprises should you need to file a claim. These questions include

• What things does my renter’s insurance cover and what does it not?
• What events does the renter’s insurance cover and which does it not?
• Will a renters’ policy cover my roommate?
• Does this policy cover any pets?
• What’s the difference between cash value and replacement coverage?
• Who covers damage if I live in a flood zone?
• How do I know how much my items are worth?

Ensuring that you have the answers to these questions and any others that pertain to your situation can prevent stress down the line.

Get the Bellevue, WA Coverage You Need With Securum LLC

If you’re in the Bellevue, WA area and in need of renter’s insurance, the team at Securum LLC is here to help. We will work to ensure that you have the coverage you need at an affordable price. To get started on your quote, contact us today.

At Securum LLC, a reputable insurance company serving Bellevue, WA, we are committed to providing our clients with all insurance policies, including RV insurance. RV insurance is essential for any recreational vehicle owner, whether you’re using it for vacation or full-time living. Discover what’s covered with RV insurance and why it’s so important.

What’s Covered with RV Insurance?

RV insurance is similar to car insurance because it covers accidents, theft, and liability. However, RV insurance also covers several unique aspects specific to recreational vehicles. Here are some of the available options:

• Collision coverage – This covers damage to your RV if you’re involved in an accident, regardless of who is at fault.
• Comprehensive coverage – You’re protected from damage costs to your RV from things like theft, vandalism, fire, or natural disasters.
• Liability coverage – covers any damages or injuries you cause to others while operating your RV.
• Personal injury protection – Medical expenses for you and your passengers are covered with personal injury protection if you’re involved in an accident.
• Uninsured/underinsured motorist coverage – If you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages, your policy will kick in and take care of the associated losses.

Why Recreational Vehicle Insurance is Important

RVs are a significant investment, requiring a unique type of insurance coverage. Without proper insurance protection, you could be left with a pretty decent financial loss if something were to happen. Beyond damages, RV insurance not only protects your investment but also protects you from liability if you’re involved in a crash.

Call Our Office Today!

As a trusted and reliable insurance company, Securum LLC serving Bellevue, WA understands the importance of having the right insurance coverage for your RV. We are committed to helping our clients find the best range at the most affordable rates. Contact us today to learn more about our RV insurance options and how we can help you protect your investment.

If you own a boat in Bellevue, WA, you already know that insurance coverage is essential in protecting your investment. But what if your boat is dry-docked? Do you still need to purchase insurance for it? The short answer is yes. Even when your boat isn’t on the water, there are still risks that need to be covered by an appropriate policy.

Why Boat Insurance?

Theft Protection

When a boat is dry-docked, it can become a target for theft or vandalism—sometimes even more so than when it’s on the water. Thieves know boats are usually filled with expensive items and equipment, making them attractive targets. A comprehensive insurance policy will help protect against these losses, allowing you to recoup any costs associated with replacing stolen or vandalized items.

Damage Protection

Even when your boat is dry-docked, there are still risks involved with keeping it stored on land. Storms, floods, and other extreme weather events can cause damage to your vessel while it’s out of the water—and if you don’t have adequate coverage in place, you could end up footing the bill for repairs yourself. Securum LLC boat insurance policies can help cover the costs associated with any damages your boat sustains while it’s out of the water.

Liability Protection

Finally, having an active insurance policy on your boat also helps protect against liability claims from accidents or injuries related to its use or storage (including dry dock storage). This means that if someone gets hurt while they’re working on the boat or repairing something nearby, they may not be able to sue you directly and seek compensation for their medical bills or other expenses related to the accident—as long as you have proper liability protection in place through your insurance provider.

Give Us A Call

If you live in or around the Bellevue, WA area, and are looking for reliable and affordable boat coverage options for your vessel, contact Securum LLC today!

Umbrella insurance is something that many people don’t know much about, but it’s an important form of financial protection. So when does umbrella insurance kick in? At Securum LLC, this is a question we get a lot from Bellevue, WA area residents.

Umbrella Insurance Coverage

Umbrella insurance acts as an additional layer of liability coverage that is triggered when your current liability insurance reaches its limit. It’s designed to provide extra protection against large legal claims and settlements when other forms of liability coverage may not be enough. That means it can provide critical coverage if you’re facing a huge claim or lawsuit due to injuries, property damage, slander, libel, or other legal issues.

Typically, umbrella insurance kicks in once your existing liability policy limits are exhausted. This could apply to homeowners or auto insurance policies and other forms of personal liability coverage. When it comes to how much umbrella insurance coverage you need, this depends on your individual circumstances and the amount of risk you face. While minimum requirements vary by state, most companies offer policies starting at $1 million in additional protection and up to $5 million or more.

Ultimately, having umbrella insurance gives you peace of mind so that you can protect yourself from large unexpected expenses that aren’t covered by regular liability policies. Now that you know when umbrella insurance kicks in, you have the knowledge to make an informed decision about whether this type of coverage is right for you.

Give Us A Call

If you have additional questions about whether an umbrella policy makes sense for you, give us at Securum LLC a call today. We proudly serve the Bellevue, WA area and would be glad to answer all of your questions.

Motorists in Bellevue, WA are required by law to carry liability insurance in the amounts of $25,000 per individual or $50,000 per wreck in addition to $10,000 in property damage coverage. It’s often viewed favorably by your insurance company when your driving record is clean, and your Securum LLC representative can let you know if this affects your premiums.

Here are some tips that can help you stay safe on the road:

Keep Your Distance

In general, it takes 2 to 3 seconds to adequately slow down if the person in front of you comes to a sudden stop. This can take even longer if there is inclement weather, and it’s good to leave a cushion appropriate to outdoor conditions. You may want to give more space when following behind tractor-trailers or motorcycles.

Stay Focused

It can be tempting to divide your attention between other tasks if you’re on a familiar route. Still, animals can sometimes unexpectedly cross your path, or you can have a vehicular malfunction. It is vital to keep other activities, like putting on make-up, using a GPS, or checking social media on hold until you arrive at your destination.

Watch Your Speed

It’s essential to remember that posted speed limits are for ideal conditions only and that fog, rain, snow, or high winds can necessitate lowering your velocity. This must be observed even when passing on the left and can help you successfully navigate tricky situations. Your car becomes harder to control when your speed increases, and so you can quickly encounter a dangerous situation if, for example, your tire catches some gravel or you begin to hydroplane.

Securum LLC Wants to Help

We specialize in bringing quality insurance products to the residents of Bellevue, WA, and we invite you to stop by the office, reach out online, or call for more information.

Are you an astute business person or aspiring to initiate a business in Lynnwood, WA? Even if you are a small business owner in Bellevue, WA, it’s paramount to understand the risks associated with the venture. Luckily, buying commercial insurance from Securum LLC is an excellent way to protect your business from risks like fire, theft, vandalism, etc.

Do you need personalized commercial insurance to shield your business venture? Please get in touch with our agents at Securum LLC today. We customize insurance plans designed to suit your business insurance needs.

Ways in which commercial insurance protects your business

While most aspects of commercial insurance aren’t mandatory in Washington, it’s prudent to invest in appropriate insurance that provides all-rounded protection for your business. Commercial insurance protects your business in many ways, including.

• Asset protection:  Property insurance protects your business structure and assets from many perils ranging from fire and vandalism to explosions. Commercial insurance covers your business assets, including furniture, inventory, computers, and other office equipment.          
• Liability coverage: General liability coverage safeguards your business from claims against bodily injury or property damage from third parties. General liability insurance can prevent your business from going down the grain because liability claims can be costly.  
• Business interruption: Commercial insurance protects your business from unnecessary interruptions from a covered peril like fire or smoke. Your policy can cover the loss of income incurred when your business is interrupted.  
• Employee protection: You are aware that your employees are your most valuable assets. In light of this, it makes sense to protect them with business insurance. Workers’ comp insurance covers medical costs against work-related injuries and illnesses. Your workers’ comp insurance can also cover partial loss of wages and funeral expenses.

Contact Us Today

Are you a business owner in Bellevue, WA searching for the right commercial insurance for your business? Don’t look beyond Securum LLC. Our professional agents will assist you in selecting commercial insurance that meets your unique needs. Please call or visit us today!