Tag: Bellevue WA

During the winter months, you want your home to protect you and keep you warm. But, in order for that to happen, there are certain things you need to do, such as preparing your heating system for the winter months. Here at Securum LLC, serving the greater Bellevue, WA area, we are a provider of home insurance policies. We want to help you properly maintain and care for your home.

Here are a few tips that can help you to prepare your heating system for the winter months:

Change the Air Filter

One of the first things that you need to do to properly maintain your heating system is to change the air filter. Air filters should always be changed prior to your heating unit being used for the first time in the winter.

Lubricate the Moving Parts

The next step that can help to prepare your heating system for the winter months is to lubricate all of the moving parts. Different heating systems have different moving parts that need different types of oils and lubricants. Speak to a heating professional to learn what types of lubricants and what parts in your unit need to be lubricated.

Have the System Cleaned and Inspected

Lastly, call in a heating professional to thoroughly inspect your heater and clean it prior to winter arriving. A professional will inspect everything, ensuring your unit operates and runs efficiently.

Get Home Insurance Today

Getting your heating system ready is just one of the things you should do to help maintain and care for your home. Having the proper home insurance policy is another way to properly care for your home and ensure you are protected in case something such as a fire or break-in were to happen. Securum LLC, serving the greater Bellevue, WA area, would love to help you with your home insurance needs. Reach out to us today to get started.

If you’re considering renting a property, it’s essential to know your rights and responsibilities as a tenant. While the landlord is responsible for maintaining the property and keeping it in good repair, there are several things that tenants are responsible for as well. The renters insurance experts at Securum LLC in Bellevue, WA can help you navigate this important coverage.

Here are some examples of what tenants are responsible for:

Damage Caused by You or Your Guests

As a renter, you are responsible for any damage caused by you or your guests. This includes damage to the property itself and any personal property belonging to the landlord or other tenants. This is because, as a renter, you control who has access to the property and what they do while there. If someone you invite onto the property damages something, you are ultimately responsible for repairing or replacing it.

Pests or Mold Caused by Your Negligence

Those who neglect their properties, such as renters, must take care of any pests or mold on their property. Their failure to properly maintain the property could result in damages for which they will be liable. However, landlords are responsible for maintaining the property outside the occupied unit. If they fail to do so, they could be sued by the tenant. If the landlord is found to be at fault, they may have to pay for the damages caused by the pests or mold.

Consumable Items

Renters are responsible for consumable items such as light bulbs because they are the ones using them. If the light bulbs are not working, it is the responsibility of the renter to replace them. Other consumable items include paper towels, garbage bags, and toilet paper.

Looking for a renters insurance policy?

Look no further than Securum LLC in Bellevue, WA. We offer a variety of renters insurance policies to fit your needs and budget. Contact us today to learn more about our renters insurance options.

Your RV is your home away from home, and you want to keep it safe while you’re on the road. Unfortunately, accidents and vandalism can happen anywhere, at any time. But there are a few things you can do to help prevent them. Consult with Securum LLC in Bellevue, WA for expert insurance advice.

By following these simple tips, you can help ensure that your RV stays in perfect condition for years to come:

1. Always Lock Your Doors and Windows

This may seem like a no-brainer, but it’s important to remember to lock your doors and windows every time you leave your RV. Even if you’re just going for a walk or to the store, it only takes a second for someone to break in and vandalize your property.

2. Install a Security System

One of the best investments you can make for your RV is to install a security system. This will not only deter potential thieves, but it will also give you peace of mind while you’re away from your home on wheels. You can also install a GPS tracking device to help you locate your RV if it’s ever stolen.

3. Park in Well-Lit Areas

When you’re looking for a place to park your RV for the night, try to find a spot that’s well-lit. This will deter criminals from targeting your vehicle, and it will also make it easier for you to see if anyone is trying to break in.

4. Get RV Insurance

RV insurance is a must-have for any RV owner. Not only will it protect your vehicle in the event of an accident, but it will also cover damage caused by vandalism or theft. Before you hit the road, be sure to get quotes from several different insurers to find the best coverage for your needs.

Get RV Insurance Today

Following these simple tips can help prevent accidents and vandalism to your RV. Securum LLC in Bellevue, WA can help you find the right insurance policy to protect your home on wheels. Contact us today for a free quote.

Boat insurance is one of the most important purchases you can make for your vessel. It provides peace of mind while you’re on the water, knowing you are protected in case something happens. But what does boat insurance cover? Here we discuss the different types of coverage that are available and what each one protects you from.

What Does Boat Insurance Cover?

Liability Coverage

This is the most critical type of coverage, as it protects you from financial responsibility if you damage another person’s property or injure them while operating your boat. It’s also the only coverage required by law in most states. Liability coverage from Securum LLC in Bellevue, WA will pay for the other party’s medical bills, repair costs, and legal fees up to the limit of your policy.

Physical Damage Coverage

Physical damage coverage protects your boat from damage caused by collision, weather, fire, theft, and other perils. It’ll pay to repair or replace your vessel up to your policy’s limit. This coverage is not required by law, but it’s recommended if you have a loan on your boat or if it’s valuable to you.

Medical Payments Coverage

This coverage pays for the medical bills of you and your passengers if you’re injured in a boating accident, regardless of who is at fault. It’s recommended if you do not have health insurance or if your health insurance does not cover injuries sustained in a boating accident.

Uninsured/Underinsured Boater Coverage

This coverage protects you from financial responsibility if you’re involved in an accident with a boat that does not have insurance or does not have enough insurance to cover the damages. It’ll pay for your medical bills, repair costs, and legal fees up to your policy’s limit.

Give Us A Call

Boat insurance is an important purchase that every boat owner should make. It provides peace of mind and financial protection in case of an accident. Be sure to understand the different types of coverage that are available and choose a policy that meets your needs. Securum LLC, serving the greater Bellevue, WA community, offers comprehensive boat insurance policies at competitive rates. Contact us today for a quote.

The closer a person comes to retirement age, the more important umbrella coverage becomes because, without it, a settlement or lawsuit could wipe out the person’s retirement savings or second business launch money. Securum LLC in Bellevue, WA provides this guide on navigating umbrella coverage so you know why you need it.

Umbrella Insurance: What You Need To Know

You can’t buy umbrella insurance by itself. You need to already own a primary policy, such as auto or home insurance, to purchase this secondary insurance.

Umbrella insurance provides liability coverage over the amount in your primary policy. For example, your primary policy carries the maximum amount of liability insurance possible. In this example, let’s say that equals half a million dollars.

When you purchase an umbrella policy, you can add any amount of liability coverage to that figure up to the maximum allowed by the underwriters. Many people choose a million-dollar policy because the coverage provides significant protection, and the policy only costs a few dollars per month.

Why You Need Umbrella Insurance More as You Age

As you age, you take on more responsibilities, which means you probably serve on a board of directors or coach a sport your child plays, etc. This also means you host fundraisers at your home. That increases your liability for accidents, but the umbrella policy balances it out.

If you don’t have umbrella insurance and an accident does occur at your home when you’re 25, you have 35 years to make up for the money you had to spend out of your savings and retirement package to pay off the settlement. If an accident occurs at your home when you’re 60, you have 10 years to make up for the money you had to spend out of your savings and retirement package.

Contact Us Today

Buying an umbrella policy provides your investments and your retirement savings protection. It pays for the settlement, the court costs, and the attorney fees once the primary policy has paid out all of its liability maximum. This ensures you never have to pay out of pocket. Securum LLC serving Bellevue, WA and surrounding areas can help you get this policy so you can protect your investments. Call us today.

Where it rains, it can flood. And since most homeowners understand this, they have purchased flood insurance from Securum LLC in Bellevue, WA to protect their homes from flooding. And not only that. Renters are buying home insurance to protect their assets when floods strike.

However, like any other insurance, flood insurance has limitations and exclusions. Learning about risks not covered by flood insurance is essential when filing claims. Things not covered by your insurance policy are clearly spelled out in the fine print. But before you go and grab your copy, here are common areas you find not covered by your flood insurance policy.

Common Flood Insurance Exclusions

Earth movement

Your typical flood insurance won’t cover damage from earth movement, even if the cause of the movement was flooding. For such damage, you will have to rely on your earthquake insurance.

Mold or mildew

Flood insurance may cover mold growth resulting from the flooding. However, if mold grows due to poor maintenance, don’t file a claim with your flood insurance because the claim is likely to be ignored.

Outside property

Any structure not contained within the walls of your house (apart from a detached garage) isn’t usually covered by flood insurance. So, your yard, patio, fence, and pools aren’t typically covered by standard flood insurance.

High-priced assets

Money, jewelry, and precious metals aren’t normally covered by flood insurance. However, you can consult your insurance agent to clarify the specific high-value items not covered.

Vehicles

Self-propelled assets like vehicles aren’t typically covered by flood insurance. Please consult with your insurer to understand whether your car is covered if swept by floods.

Additional living expenses

Home insurance covers “loss of use” if your dwelling is destroyed by a peril listed in your policy. This may not be the case for flood insurance.

Learn more about flood insurance

Still not sure what exactly your flood insurance covers and excludes? Please get in touch with Securum LLC in Bellevue, WA for more clarification.

There’s a lot to think about when you’re running a business. From product or service development to marketing and sales, there’s always something that needs your attention. And, of course, monitor the bottom line, too. That’s why it’s crucial to have the right commercial insurance policy in place for your Bellevue, WA business.

Here is the coverage your company needs to thrive and protect your livelihood:

Commercial Property Insurance

This type of coverage protects your business property from damage or theft. If you have a physical location, such as an office or store, this is the coverage you need to protect your space and contents. Your Securum LLC insurance agent can help you determine the right amount of coverage for buildings.

Commercial General Liability Insurance

This type of insurance protects your business from third-party claims. For instance, if someone slips and falls on your property or you injure someone, this policy will help to cover the costs. It can also protect you if someone sues you for libel or slander.

Product Liability Insurance

If you manufacture products, it’s essential to have product liability insurance. This type of coverage protects your business from claims if one of your products injures someone. Consider this coverage if you sell products.

Commercial Auto Insurance

If you use a vehicle for business, you’ll need commercial auto insurance. This policy will cover the costs if you have an accident while driving for business. It will also protect you if your vehicle is stolen or damaged. Also, commercial vehicle coverage is a legal requirement in Washington.

Choosing the right commercial insurance policy for your Bellevue, WA business is essential to protect you and your livelihood. Securum LLC agents are ready to help you choose the coverage that’s right for your company. Call us today to get started.

Selecting the right condo insurance policy for condo residents in the greater Bellevue, WA area can feel very confusing! Luckily, the team at Securum LLC is here to help!

Condo insurance ABCs

When it comes to condo insurance, it’s easy to be confused. There are many options available, and it can be challenging to determine which is right for you. Condo boards carry insurance, but it will likely not cover one’s unit. It is crucial to have your own insurance to protect your unit.

If something happens to the common area in your condo building, your condo board’s insurance policy will likely cover the expense associated with those damages. However, if any damage occurs within your unit, you will be responsible for those expenses. With a comprehensive condo policy, you can rest assured that you will have the protection you need.

We encourage all of our clients to review their condo insurance regularly. This can help you to recognize any gaps that there may be in coverage quickly. Make sure that your coverage protects your unit and belongings are protected. With a robust condo policy, you will have your unit protected no matter what may happen to your unit or your condo building.

Find out more about your condo insurance options today!

Securum LLC wants all community members in the greater Bellevue, WA area to have the right insurance policies for their needs. If you would like to learn more about your insurance policy options for condos and beyond, give us a call or stop by our office today. We look forward to working with you!

Anyone driving a car in the state of Washington is required to carry proper auto insurance. Driving without insurance is illegal and can lead to serious consequences. Therefore, if you own a vehicle, auto insurance is one of the first things you should think of. Choosing the right insurance policy may not be easy, especially if you have never done it before. If you are currently shopping for it and want to make the right decision, here is a list of questions you should ask an insurance agent:

What Coverage Should I Get?

You will have to get at least the coverage mandated by the state of Washington. It is liability insurance that covers the costs of anyone who is injured or dies as a result of a car accident you caused. However, in addition, it is recommended to get additional types of coverage, such as collision, comprehensive, uninsured and underinsured motorist protection, and personal injury protection. Ask an insurance agent about them to know more.

What Will Your Deductible Be?

If you are involved in a car accident, there is a certain amount you have to pay before your insurance kicks in – your deductible. The higher your deductible, the lower your monthly premium is. However, do not make your deducible that high that if you get involved in a car accident, you will not be able to pay it.

Are There Any Discounts Available?

Almost every insurance company offers discounts, so do not hesitate to ask about them. Do not assume that an insurance agent will automatically offer them to you.

Securum LLC  – Your Reliable Insurance Agency in Washington 

If you are shopping for car insurance, you should ask insurance agents as many questions as you want. Try to gather as much information as you can to make the right and informed decision.

If you live in Bellevue, WA or any other nearby town, it is recommended to contact Securum LLC – an insurance agency serving clients in Bellevue, WA and other surrounding towns. Our insurance agents are always ready to answer your questions and tell you everything about the insurance options available. Feel free to give us a call or visit our office.

Are you about to get insurance for your business? Whether you operate as a small business or run something that’s more large-scale, it’s in your best interest to learn about the different levels of commercial insurance that are available to you. You can bring your questions to Securum LLC of the Bellevue, WA area, which should help you feel more confident in making decisions about your commercial policies.

General Liability Insurance 

This is the basic level of insurance you should have for your company. It protects against those claims that involve bodily injury to another person, personal injury that includes slander and libel, and property damage to someone else’s possessions.

Commercial Property Policy 

Commercial property insurance protects the building you own or rent as well as the equipment you use in order to run your business. Keep in mind that this policy usually won’t cover damage from floods or earthquakes. You might want to get a separate policy such as commercial flood insurance that helps to protect your business from this type of claim.

Business Income Insurance 

Also known as business interruption insurance, this helps you replace lost income if you are unable to run your business. Some examples include paying for your rent, payroll, utility bills, and other kinds of ongoing expenses.

Professional Liability Insurance 

This coverage can be used for lawsuits filed due to some mistake in the services your company provided. It’s also called errors and omissions insurance.

Workers’ Compensation Insurance 

This type of policy offers benefits to your employees if they become sick or hurt from conducting work tasks. Benefits from workers’ comp include replacing lost wages, paying for medical bills, paying for ongoing care such as physical therapy, and covering funeral costs. Many states do require that businesses with employees have workers’ compensation or they are at risk of criminal charges, fines, and penalties.