Tag: Securum LLC

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! 

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.