Tag: Securum LLC

When driving your boat in a busy area, there’s little worse than running into something and seriously damaging your boat or others. Thankfully, we at Securum LLC can provide Bellevue, WA residents with the high-quality boat insurance that they want to minimize long-term financial troubles caused when hitting anything else while you’re driving. But will a standard boat insurance policy cover collisions like these?

Understanding Standard Boat Insurance Coverage Options

When you buy a standard boat insurance policy, you typically do not get collision coverage as part of your policy. However, you can add on collision if you want to protect yourself from various types of damage. This type of policy will cover many elements of your driving experience to keep you safe.

It differs from comprehensive, which covers natural damage such as fires, floods, and wind damage. In addition, collision will help in other situations, including when hitting:

• Submerged docks
• Above-water docks
• Another boat
• Rocks or debris

This policy option will help to pay for injuries on your boat and can even help pay for pet treatments, if necessary. By contrast, a standard policy will cover things like total replacement costs, bodily injury, property damage (to other people’s property), fuel spills caused by your vehicle, removing the wreckage of your boat, and roadside assistance if you break down while hauling your boat.

Find a Policy That Works for You

As you can see, you need to be careful when choosing a high-quality boat insurance policy for your vehicle. However, if you feel uncomfortable with this process or want to upgrade your coverage to handle collisions and other issues, please contact us at Securum LLC right away to learn more. We serve Bellevue, WA and the surrounding area and will provide high-quality coverage that makes sense.

Securum LLC provides insurance coverage to the Bellevue, WA community, as well as the surrounding areas. We strive to protect our clients regardless of the situation. We recognize that your situation may be different from others. We will work with you to find a policy specifically designed to meet your individual needs.

The Significance Of Umbrella Insurance

Umbrella insurance provides an extra layer of protection if a catastrophe happens. You can lean on umbrella insurance when the potential damages exceed the limits of your liability coverage. Your assets may be at risk if you are involved in a legal dispute.

If you have high-risk accessories such as a swimming pool in your backyard, umbrella insurance protects you if something goes wrong. If you’re having a guest over at your Bellevue, WA home, and they go for a swim, it only takes a split second for something to go wrong. As your guests get out of the pool, they slip and fall suffering brain trauma. There’s also the unfortunate chance that they may drown. These are serious situations in which you will be held liable. Without umbrella insurance, you could lose everything in a lawsuit. Consider you are out driving one day, and you take your eye off the road for a second to check a text message. Suddenly, you collide head-on with another vehicle. The other driver suffers severe injuries and may be paralyzed. This is another example where umbrella insurance is essential. The policy is designed to protect you when you are involved in emergency situations. If you have a lot of assets, you should look for a policy that exceeds its value. You want to be fully protected at all times.

Securum LLC Will Help Protect What Matters Most

Reach out to us to learn more information about umbrella insurance.

A flood can affect anyone. Today’s unpredictable weather patterns put even the unlikely places at risk of flooding. The National Flood Insurance Program (NFIP) has been formed to help victims of floods recover financially and offset the devastation.

The NFIP does not sell policies directly to the public. They work with insurance firms like Securum LLC to provide flood insurance for Bellevue, WA. There are two types of flood policies available: the building property and the personal property policy.

Building property policy

Your mortgage company may require building property insurance to preserve the value of the house after flood damage. The mortgage company needs to protect itself against the property’s value dropping below the mortgaged amount resulting from a flood. Therefore, they may insist you purchase flood insurance before they approve your mortgage.

The policy covers the costs of repairs to the structure of the house, garage, and boundary walls. It will not reimburse claims for damaged property like kitchen appliances, furniture, or carpets. That sort of claim will need to be covered by personal property flood insurance.

Personal Property flood insurance

Personal property covers any items inside the house damaged by the flood, e.g., clothing, couches, TVs, etc. It is not compulsory to purchase, but Securum LLC recommends it. Even houses situated a long distance from bodies of water are not immune from flooding. It is always better to be prepared than pay the heavy price of replacing all the flood-damaged personal goods from your own pocket.

So, even if the possibility of flood in Bellevue, WA is remote, you may be required to purchase some form of flood insurance, whether the compulsory or the optional type. In that case, folks at Securum LLC can help you choose the appropriate flood coverage for your circumstances.

When you own a business in Washington, there are two main types of commercial insurance that you must have for most jobs. If your business has any number of employees and/or owns a vehicle, there are required insurance policies in Washington. If your business needs commercial insurance, contact us at Securum LLC in Bellevue, WA.

Workers’ Compensation Coverage

In Washington, any business with employees, even part-time workers, must be covered by workers’ compensation insurance. This coverage pays for an employee’s medical bills if they are injured or get sick while at work. It can also be used to pay an employee’s lost wages after being injured or getting sick. There is a state fund for this insurance in Washington, and business owners have to buy their workers’ comp coverage from the state.

Commercial Auto Coverage

If your Washington business owns a vehicle of any kind, it has to have a commercial auto insurance policy on it. This insurance policy must contain a specific amount of bodily injury liability coverage for an injured person in an accident. It requires another amount of coverage for everyone’s bodily injury liability for the entire accident. It also requires that you have a certain amount of property damage liability. If you have a personally owned vehicle that gets used by the business, it’s important not to insure it with a personal insurance policy. It should have a type of policy called hired and non-owned. If it is covered with a personal policy, it may not pay out in the event of an accident.

Contact Us Today

If your business needs commercial insurance, call us at Securum LLC in Bellevue, WA.

Securum LLC offers insurance coverage to the Bellevue, WA community. We strive to make sure that our clients find the policies they need to manage risks. We offer versatile policies to help ensure that our clients are prepared for any situation.

Why Condo Insurance Is An Asset

Condos are unique investments. You have the ability to customize your unit and turn it into something that truly feels like home. Condo insurance helps you protect your Washington condo in the event of an emergency. The policy primarily covers your personal items and the interior of the unit.

Interior

Condo insurance covers any damage to the walls, carpet, kitchen, and bathroom. If you plan to upgrade your unit by adding some amenities, you must amend your policy to cover the new additions fully.

Personal Items

Condo insurance covers all of your personal items inside the unit. This includes your furniture and appliances. If you have luxury items in your condo, you can add extra coverage to protect those items if they are stolen or vandalized. It’s also a good idea to take inventory of your items. This gives you a clear idea of how valuable your possessions are.

Liability Coverage

Liability coverage protects you if you cause damage to someone else’s property. You are also protected if one of your guests suffers an injury while they are visiting your property.

Emergency Lodging Coverage

You can add emergency lodging coverage to assist you while you find a temporary place to stay when your condo is being repaired.

Securum LLC Will Help You Find The Right Policy

Visit our website to learn more information about condo insurance. Our agents in Bellevue, WA are ready to help you.

Auto insurance is required in almost every state in the union. This includes the state of Washington. Most types of auto insurance are optional. Liability insurance is required by law, and a lender or lessor may require collision and comprehensive. Auto insurance offers many different types of protection, and as a vehicle owner, you will have choices to make. At Securum LLC in Bellevue, WA, we are an independent insurance agency with the experience to guide our customers to the country’s top carriers at the best possible price.

Liability

Liability is the state-mandated coverage in Washington. You must carry 25/50/10 coverage to protect other drivers from you. Agents must also offer uninsured/underinsured coverage and PIP coverage. Drivers can refuse the last two.

Collision

In the event of an accident where you were the responsible party, you personally or your insurance is responsible for repairing or replacing your vehicle. If your vehicle is essential, this is an important coverage.

Comprehensive 

Comprehensive is vehicle protection from perils beyond your control. It covers things like theft and vandalism. If a tree limb crushes your car due to strong winds or a lightning strike, comprehensive coverage takes care of it. If a deer runs into your vehicle, it’s covered with a deductible, of course.

Full glass coverage

Full glass coverage is convenient to have if a stone gets thrown up and smashes your windshield. It happens way more than it should. You can get your windshield repaired or replaced with no deductible and even in your own driveway or the parking lot at work.

Emergency Road Service

Is there anything worse than being stuck on the roadside with a broken-down car or flat tire? This insurance will allow you to get the help you need with a simple call.

Contact Securum LLC in Bellevue, WA for all your auto insurance needs. Please stop by our office or give us a call for a no-obligation quote.