What to do if Your Boat is Stolen

Posted on June 30, 2025June 17, 2025 by admin

If your boat falls within the 20 to 29-foot range, it is a prime target for theft. Larger boats typically lack a market, and smaller boats often aren’t worth the trouble for thieves. Fast boats, however, may attract criminals who intend to use them for illegal activities such as piracy or drug smuggling. In most cases, stolen boats are stripped for parts or repainted and sold to unsuspecting buyers who believe they’re getting a good deal on a secondhand vessel. Fortunately, there are steps you can take to protect your boat. Many of these measures are similar to common-sense practices used to prevent automobile theft. If your boat is stolen despite your precautions, here’s what to do.

Step 1: Contact the Police

While recovering a stolen boat is rare, it’s crucial to report the theft to the police. Prepare a spreadsheet with the following information: Hull Identification Number (HIN), engine serial number, registration certificate number, outdrive number, state registration number, transom assembly number, and serial numbers for the boat’s electronics. Keep all receipts, invoices, and sales documents to prove ownership. Photos of your boat can also help identify it if the identifying numbers are altered. Additionally, you may need a police report to file an insurance claim. An insurance agent will review your policy to determine the compensation you’re entitled to if the boat is not recovered.

Contact Securum in Lynnwood, WA

If you’re in the Lynnwood, WA area and need boat or watercraft insurance, contact Securum LLC. We’re here to help you protect your investment and provide support when you need it most.

Get More Liability Coverage by Adding Umbrella Insurance

Posted on May 30, 2025May 26, 2025 by admin

As a homeowner and vehicle owner, you likely have both home and auto insurance. While these policies are essential, they may not provide as much protection as you think. One key coverage type in these policies is liability coverage. To enhance your liability coverage, consider umbrella insurance. It’s an excellent option for those who want more comprehensive coverage. To get started with umbrella insurance, contact us today at Securum LLC in Lynnwood, WA.

Ensuring Adequate Liability Coverage

Many people find that their existing insurance policies don’t provide enough liability coverage. This is a common issue, as many home and auto policies offer limited liability coverage. If an accident occurs and the bills exceed your policy’s maximum payout, you’ll be left to cover the remaining costs. Umbrella insurance can help by providing additional liability coverage for both your home and auto policies.

Handling Overages

When a policy reaches its maximum payout and can’t cover any more of the accident bills, umbrella insurance steps in. It will cover those overages for you, potentially saving you from significant out-of-pocket expenses.

Securing Umbrella Insurance in Lynwood

Umbrella insurance offers enhanced protection against accidents. To learn more, contact Securum LLC in Lynnwood, WA.

Add-ons to enhance your basic auto policy

Posted on April 30, 2025April 21, 2025 by admin

In the state of Washington, the basic mandated coverage that all drivers are required to have is 25/50/10. This is liability coverage that protects other drivers from you. It is $25,000 for injuries to one person and $50,000 total for all those injured in an accident. The additional $10,000 is for personal property. At Securum LLC in Lynnwood, WA, we are independent insurance agents who prioritize our customers’ needs and ensure they have the right coverage.

Collision

Collision coverage will protect your vehicle from damage it sustains in an accident where you are the responsible party. It can be a one-car accident, a hit-and-run, or one where you are at fault. It pays for the repair or replacement of your vehicle.

Comprehensive

Comprehensive coverage protects your car from things that can damage it other than an auto accident. It could be weather-related damage, such as flooding, wind damage from flying limbs, or hail damage to your vehicle’s paint finish. It also covers theft, vandalism, and collisions with large animals, such as deer.

Gap coverage

When you have a newer vehicle and a car loan, you may owe more than you could collect for the total loss of your vehicle. This is where gap insurance comes in, ensuring that you collect what you owe.

Full glass

Comprehensive coverage provides glass coverage with a deductible. With full glass, you don’t have to pay a deductible.

Rental car

After an auto accident, your car may be totaled, or it may require some time in the shop to get it back to running condition. You will need something to drive in the meantime, and this is where rental car coverage comes in.

Contact our office at Securum LLC in Lynnwood, WA for all your auto insurance needs.

How commercial insurance can save your small business

Posted on March 28, 2025March 23, 2025 by admin

According to the Small Business Administration Office of Advocacy, 99.9% of all businesses in the United States are small businesses. Our team at Securum LLC in Lynnwood, WA, are independent agents and provide personalized service to all of our customers. We understand that small businesses face a wide variety of risks, and our job is to help customers secure the coverage they need for their business.

Commercial Property Insurance

Commercial property insurance covers both the building that houses your business if you own it, and the things that you use to conduct business. It varies from business to business, depending on what you do. It can include tools, display units, electronics, office furniture and equipment, machines, inventory, raw materials, and whatever else you use. Having insurance allows you to resume operations as quickly as possible.

Commercial Liability Insurance

Commercial liability insurance may be the most valuable coverage of all. Being sued is one thing that can sideline your business and is almost unlimited. One in three businesses will be sued every year. It can be a client, a customer, an employee, or a vendor. If they sue you, there may be a judgment to pay and certainly legal fees. It could close your business if you can’t pay.

Workers’ Compensation Insurance

In Washington State, all businesses must protect their employees with workers’ compensation insurance. It doesn’t matter how many employees you have.

Business Interruption Insurance

A small business may find it very difficult to survive many hazards. If your business is hit by a fire, theft, or other covered hazard, your source of income may dry up rather quickly. To survive, you need to pay your bills and payroll. If you have business interruption insurance, it will provide the money you need to stay in business.

Contact our office at Securum LLC in Lynnwood, WA, to get a quote for your commercial insurance.

Does Home Insurance Provide Any Liability Coverage?

Posted on February 28, 2025February 20, 2025 by admin

Home insurance is one of the most important types of insurance that most people need. The lender requires this type of insurance, and your region may require the Homeowners Association (HOA). The HOA offers various kinds of coverage in one policy. But does it have any liability coverage? To learn more about home insurance and get started with a policy, call us at Securum LLC in Lynnwood, WA.

Understanding Liability Coverage in Home Insurance

When you have a home insurance policy, liability coverage is one of the coverage types. This is used when someone else has an accident. When someone is on your property, it’s possible for them to have an accident and to get injured. There is always the potential for accidents, even when things are tidy. Anyone can fall and become injured. When this happens, you would be liable for all of the costs that come from the accident. With home insurance, liability coverage can pay those bills, so you won’t have to pay them.

The Costs of an Accident

When considering liability for accidents and the bills they cause, most people think only of the medical bills. Medical bills can be costly, but they aren’t the only type of bill that would come in. There may also be legal bills that need to be paid. If the victim misses work, lost wages may be due. There could also be a need for ongoing therapies to help with healing. Home insurance can pay for all of these.

Get Home Insurance in Washington

If you don’t yet have a home policy, it’s time to get one. Never go without home insurance for as long as you own the hoCallcall us at Securum LLC in Lynnwood, WA t to get startedoday.

Does Renter’s Insurance Have a Coverage Limit for Personal Belongings?

Posted on January 27, 2025January 23, 2025 by admin

Shopping for renter’s insurance requires careful consideration. You want to ensure that you have a policy that provides enough coverage for your personal needs, and some renters may have greater needs for coverage than others. If your personal property is quite expensive, for example, it’s important to ask whether any policy you buy will be able to cover these belongings automatically or if there are limits. Before you purchase renter’s insurance, let’s take a closer look at this aspect of renter’s insurance policies. When you’re ready to find the right policy, you can get started with us here at Securum LLC in Lynnwood, WA!

Is There a Coverage Limit for Personal Belongings When You Get Renter’s Insurance?

It’s important to know upfront that there are often two limits for coverage: the full coverage limit and sub-limits. The full coverage limit for most will suffice, ranging from as low as $10,000 to $500,000. However, many policies have sub-limits. If you’re someone worried about their jewelry being stolen or damaged, you will want to pay attention to these sub-limits as your policy may only cover up to $1,200 in jewelry, for example. More than that, certain belongings that are deemed to be quite valuable may require separate insurance to cover them as they may not be covered under normal policies. To put it plainly, there are not only coverage limits, but coverage sub-limits and even exclusions that could affect the safety of your belongings. Pay attention to all these to ensure you get the coverage you deserve.

Start Shopping for Renter’s Insurance With Securum LLC

Are you more knowledgeable about renter’s insurance and ready to find a policy that works for you? The team here at Securum LLC in Lynnwood, WA, is always ready to connect you with a policy that’s right for your needs. Compare quotes with us today or contact us with any questions you may have!

Types of Protection in RV Insurance Policies

Posted on December 23, 2024December 19, 2024 by admin

An RV is a unique blend of a home and a vehicle, requiring a special type of insurance policy written specifically for RVs. If your RV is currently uninsured or if you’re considering changing your RV policy, contact us at Securum LLC in Lynnwood, WA.

Vehicle Coverage

Several types of coverage in RV insurance are similar to regular auto insurance. These include liability coverage types such as bodily injury liability and property damage liability, which cover the expenses incurred by the other party if you’re involved in an accident. Other types of vehicle coverage that can be included in an RV policy, though not required, include comprehensive coverage that pays for certain damage to the RV when it’s not being driven and collision coverage that pays for damage to your own vehicle from a collision.

Living Quarters Coverage

The RV’s living area requires its own specific types of coverage. This includes personal items on board as well as any equipment. Many individual items can be found in an RV, including furnishings, clothing, appliances, etc. When you have RV insurance, it’s important to ensure all of the interior of the passenger section is covered in case of damage or destruction. If you have expensive equipment on board, you must be sure you have enough coverage to pay for it in case of an accident or other incident.

Securing RV Insurance in Washington

If you own an RV, you need a specialty insurance policy for it. Contact Securum LLC in Lynnwood, WA, to get started on the right policy.

Boat Liability Coverage – Protection While Towing and Operating Your Watercraft

Posted on November 25, 2024November 21, 2024 by admin

An accident can occur at any time while you are operating your watercraft. Ensuring adequate liability protection will help mitigate unexpected costs from incidents where you are found at fault.

Liability Coverage

Liability coverage is a specialized type of boat insurance that protects against boating accidents resulting in injury or damage to another person’s property. This type of coverage will keep you compliant and minimize out-of-pocket costs.

Towing Variables

Will you be using your boat to tow another watercraft or recreational equipment? Towing items behind your boat increases your chances of being involved in an accident while operating it.

Towing equipment can become detached from your boat unexpectedly. Weakened or damaged equipment can also contribute to accidents.

All the essential equipment you use when operating your boat can be added to your boat insurance policy. Covering these items will allow you to recoup costs that you are responsible for paying during legal proceedings.

Boat Usage Considerations

The activities for which you will be using your boat could increase the need for liability protection. If others are boarding your boat and spending time on it while it is actively operating, you need to consider the likelihood of an accident or damage occurring.

The type of equipment that will be used on your boat could influence whether you acquire a basic or comprehensive liability insurance product.

Contact an Insurance Agent in Lynnwood, WA

If you’re ready to add more liability protection to your boat insurance policy, contact one of our agents at Securum LLC. An agent will help you compare different liability insurance products.

Umbrella Insurance: Protecting Your Assets

Posted on October 28, 2024October 21, 2024 by admin

Many believe they don’t need umbrella insurance because they might become ‘over-insured.’ However, umbrella insurance is designed to provide extra coverage for those who need it. If certain premiums are maxed out, it can benefit individuals and business owners. If you’re still unsure, our professionals at Securum LLC in Lynnwood, WA, can help guide you through what you need to know.

What Does Umbrella Insurance Do For Your Assets?

Umbrella insurance enhances your coverage by providing additional coverage beyond your standard insurance. A policy may have specific limits or limitations on what is covered. Adding umbrella insurance allows you to extend your coverage beyond these minimum limits.

Furthermore, umbrella insurance can provide asset protection, help with legal defense costs if items are damaged or stolen, and even help with savings. All these elements are essential when insuring your assets. Otherwise, you could be out of luck if you hit the cap on your policy.

What Should I Know Before Adding Umbrella Insurance?

Before adding umbrella insurance, you’ll want to check a few aspects of your existing policy. Firstly, check your policy’s limits and limitations. Some policies have much higher coverages than others, so you may not need umbrella insurance.

Next, check for any exclusions. Many policies have exclusions or limitations that aren’t included in the coverage. If you don’t check carefully, you may miss something that you thought was covered but isn’t. If this is the case, adding umbrella insurance could help with that coverage.

How to Choose What Umbrella Insurance You Need

Since umbrella insurance is added to existing policies, it can be confusing to determine when you need it. Talking to a professional at Securum LLC in Lynnwood, WA, can help if you’re debating whether you need the extra coverage. We’re here to discuss policy options and help you find the one you need. All you need to do is contact us today.

What’s the Difference Between Liability Coverage and Full Coverage Auto Insurance?

Posted on September 30, 2024September 26, 2024 by admin

Understanding Auto Insurance: Liability vs Full Coverage

Auto insurance can get a bit tricky. It’s crucial to fathom what your policy covers. The professional agents at Securum LLC, serving Lynnwood, WA, encourage you to discern the difference between liability and full coverage auto insurance and acquire the apt coverage.

Liability Insurance: Covers Damage or Injuries to Others

Liability insurance is the minimum amount of auto insurance mandatory in Lynnwood, WA, and most states. This coverage deals with damage and injuries that occur due to an accident. If the accident is your fault, your liability insurance will bear for the other person’s medical expenses, vehicle repairs, and other costs correlated with the accident. It’s important to remember that this does not cover your vehicle or injuries. Here are the two key components of liability insurance:

Bodily Injury Liability: This insurance covers medical expenses, lost wages, and legal fees if someone is injured in an accident and it is your fault.
Property Damage Liability: This insurance covers repairs to the other person’s vehicle or property that is damaged in an accident that is your fault.

Full Coverage Insurance: Covers Your Damage and Injuries

Full coverage auto insurance offers more protection than basic liability. If you carry a loan on your vehicle, you are necessitated to have comprehensive insurance that provides additional coverage, including:

Collision Coverage: If you have an accident, regardless of whose fault it is, collision insurance pays to repair or replace your vehicle.
Comprehensive Coverage: Comprehensive coverage remunerates for repairs for all other damages such as fire, theft, and vandalism.

Contact Securum LLC For Washington Auto Insurance Coverage

Whether you are a novice or veteran driver, having the right insurance will safeguard you and your investment and provide peace of mind. Contact the expert Securum LLC team serving Lynnwood, WA, today.