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VIP Insured

705 S 9th St suite 302
Tacoma, WA 98405

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What Does Boat Insurance Cover?

Whether you are boating in Lake Washington or San Juan, purchasing boat insurance from VIP Insured, located in Bellevue, WA, can help make you stay relaxed while enjoying the waters. We understand that you and your boat are inseparable. That’s why we provide watercraft insurance that provides optimal protection to your precious asset.

Does watercraft insurance cover boats only?

The simple answer is no. Watercraft insurance extends to other water vessels like: 

  • Jet Ski
  • Fishing boats
  • Yacht 
  • Sailboats
  • Speedboats

Why you need boat insurance

Whereas boat insurance isn’t a mandatory requirement in Washington, you may need boat insurance if financing your boat through a facility from a financial institution. You may also need insurance if you operate a vessel that carries passengers. And finally, you need watercraft insurance to cover your boat against damages and for peace of mind while boating.

What boat insurance options are there?

When you partner with the right agency, they will discuss with you the below boat insurance options:

  • Property damage: Protects your boat from damage or theft when off or on water.
  • Medical payments: Covers for medical expenses arising from boat-related accidents
  • Liability: Protects you from liabilities when your boat causes property damage or bodily injury to a third party.
  • Uninsured/underinsured coverage protects you if you are involved in an accident with an uninsured /underinsured boater.
  • Emergency assistance: When your boat stalls in water, and you need gas delivery, battery swap, or towing, this insurance saves the day in such incidences. 
  • Personal effects coverage: Protects against personal belonging such as sporting equipment inside your watercraft.
  • Fuel spillage and wreck removal to protect you from penalties, fines, and other liabilities following your boating accident.  

Don’t let a boating accident dampen your moods. Purchase insurance today from VIP Insured serving Bellevue, WA, and the surrounding areas. After collecting details about your vessel, our team of experts will compare numerous boat insurance options and select those that complement your needs. 

Auto insurance tips for new drivers in Washington

Washington state requires that all drivers carry liability insurance. While shopping for auto insurance isn’t as fun as shopping for the car itself, it is always a good idea to take your time and familiarize yourself with state requirements before making any insurance purchase. At VIP Insured, we recommend speaking to an auto insurance expert about the cost and coverages that work for you. Here are other insurance tips we thought you should know:

Shop Around for Better Rates

Insurance policies in Bellevue, WA are not always cheap, but you can always get the most out of your policy if you shop around. Sometimes it is wiser not to go with the big names in the industry, particularly if you are a new driver, but choose a company with special rates for new drivers. Of course, your auto insurance rates are going to be higher than rates of more skilled drivers, but it will be far less than what big companies charge.

Take a Defensive Driving Course

Some insurance companies charge better rates for drivers with an approved defensive driving course. Ask your insurance agent about these discounts before signing up for a class and determine whether it is worth the cost. New drivers are difficult to insure because they are not fully accustomed to the roads and their rules. That’s why it is critical to invest in driver education. There are many classes available today that aims to make everyone a better driver. Insurance companies can trust your driving skills and lower your premiums.

Take Advantage of Discounts

Insurance companies use different channels to provide their customers with discounts. For instance, your insurance company can give a discount if you buy more than one policy, such as home and auto insurance. If you also wish to add more cars to your policy in the future, your insurance can also give discounts.

Getting your first auto insurance policy may seem intimidating, but it’s all worth it if you put in the effort. If you are looking to buy auto insurance in Bellevue, WA, VIP Insured is here to guide you through the steps and make sure you find a policy that fits your needs. Contact us today!

Does umbrella insurance cover flooding?

Umbrella insurance is an excellent backup policy for individuals looking for additional financial support in Bellevue, WA. A good umbrella insurance plan provides coverage when your standard indemnity policy falls short. Does umbrella insurance cover flooding and other natural disasters, though? An agent at VIP Insured can answer that question. 

What does umbrella insurance cover?

A good umbrella insurance policy serves as a safety net for your family. This type of indemnity coverage generally pays for the amount of damage your standard insurance plan does not cover because of exhausted policy limits or restrictions. 

An example of umbrella insurance at work would be an at-fault car accident in which the property damage exceeds your policy’s limits in Bellevue, WA. An umbrella policy would pay for the outstanding balance, so you do not have to use personal finances to cover the incident. 

Does umbrella insurance cover flooding?

Umbrella insurance does not typically cover natural disasters such as flooding and earthquakes. Homeowners must solely rely on their home insurance plans for financial support when such incidents occur. 

There are, however, instances where an umbrella insurance plan would pay for water damage. A broken pipe in an apartment or condominium unit may qualify as a covered incident. Flooding may also be covered under an umbrella policy if your washing machine malfunctioned to cause the disaster. In both instances of water damage, an individual would need to have either renters or home insurance as standard indemnity plans before umbrella coverage could be used. 

It is best to contact VIP Insured to learn more about umbrella insurance plans and determine if a policy is right for your family. Call today to get started with a quote for coverage

How much home insurance do you need in Washington?

The average home value in Bellevue, WA is $950,000. The area often populated by more affluent residents in Washington is ideal for those looking to settle down and enjoy nature. How much home insurance should you consider if you live or plan to reside in Bellevue, though? The agents at VIP Insured can help you understand how an indemnity policy works. 

What does home insurance cover?

The best home insurance policies cover the structure as well as items inside the residence. Some homeowners purchase the most expensive plans in the hope of having all incidents covered. Home insurance, however, is more detailed than merely having high policy limits. 

A homeowner can have high policy limits and still find himself outdoors because of natural disasters. A policyholder can also have high policy limits and find himself paying to rebuild his home because his home’s actual cash value is not enough to cover all the damages. When considering how much home insurance to buy for your home in Bellevue, WA, it is best to focus on what the plan includes. 

How much home insurance do you need?

Purchasing a home insurance plan that includes natural disasters such as flooding and earthquakes is always a good idea in Washington. You may also want to consider a policy that offers total replacement over actual cash value. Total replacement covers the entire cost of damages. 

Some homeowners have antique items in their homes and garages. It may be ideal to purchase a home insurance plan that pays the appraised value of these items in a disaster and not the actual market value. 

The actual amount of home insurance you need is ultimately a discussion for you and a professional at VIP Insured. Call today to get started with a quote.

  • Allied
  • Assurant
  • Chubb
  • Dairyland
  • Direct Auto Home
  • Encompass
  • MetLife
  • Metromile
  • Mutual of Enumclaw
  • National General
  • Nationwide
  • Progressive
  • QBE
  • Safeco
  • Travelers

Servicing States

  • Washington
  • Arizona
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!

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