Why Condo Insurance Can Help Washington Residents Protect Their Assets

Posted on March 31, 2021September 21, 2023 by admin

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.

Common types of coverage auto insurance provides

Posted on February 27, 2021September 21, 2023 by admin

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.

Exploring The Benefits Of Workers Compensation

Posted on January 21, 2021January 21, 2021 by admin

Securum, LLC serves the Lynnwood, WA community by offering residents multiple types of insurance coverage. We strive to help our clients find the policies they need to avoid major risks. We will help you assess your options and find the coverage that best suits your lifestyle.

The Benefits Of Workers Compensation

A major part of the success of Lynnwood, WA’s economy is thriving businesses in the community. Commercial insurance is a valuable asset. The policy helps protect your business and ensure that things continue to run smoothly. You are covered if your building and inventory suffer severe damages. You are also covered if you are involved in a potential liability dispute. One of the most important parts of commercial insurance policies is workers’ compensation. Workers’ compensation protects your business if one of your employees is injured in the workplace. However, there are several other benefits that workers’ compensation provides as well.

Helps Companies Attract New Talent

Adding worker’s compensation to your policy shows that you respect and value the contributions of your employees. This makes working for your business attractive as you seek to recruit high-level talent. It may give you an edge over the competition.

Gives Your Employees A Chance To Grow

Workers’ compensation covers your employees if an injury forces them to learn a new business skill. This allows them to still be an asset to your business and helps it grow.

Improve Your Retention Rate

The policy covers your employees as they rehab from their injuries in hopes of getting back to their original condition. By taking care of your employees, you help establish relationships with them. This can help you retain your best employees.

Securum, LLC Can Help You Protect Your Business

Contact our office today to learn more information about commercial insurance.

Common Myths About Home Insurance

Posted on December 7, 2020December 7, 2020 by admin

You worked hard to get your dream home, and you are smart enough to know to get a home insurance policy to cover what you worked hard for. However, it is important to know that there are some common myths about home insurance. Learning these myths is critical, so you can contact a reliable insurance agent to ensure your home and all you worked so hard for are protected. And thus, the following are common myths about home insurance:

1. Home insurance covers flood damage.

Home insurance usually does not cover flood damage unless caused by internal damage to the home, like broken pipes. Even then, there may be some discrepancies. However, adding flood insurance to your policy in such cases may be needed.

2. Home insurance only covers your belongings and property.

Most home insurance policies protect more than your personal items and property. From third-party liability coverage to additional living expenses, most policies cover damages and injuries caused on your property to another property or person, accommodation and food are covered if you must leave your home due to an insured event, and more.

3. Home insurance covers all your possessions, including valuables.

However, standard home insurance policies usually protect most of your possessions, but more coverage is usually required for high-end items, like collectibles, jewelry, bicycles, and sports memorabilia.

4. While on vacation, your home is always protected.

Some incidents may not be covered. For instance, your policy more than likely may not cover damage to your home that occurred due to you not draining your pipes during the winter while you are on vacation,

Conclusion

These are just a handful of myths about home insurance. So, for more information about home insurance myths, contact Securum, LLC in Lynnwood, WA today. Securum, LLC has highly trained, licensed, and experienced agents committed to helping clients in Lynnwood, WA, and surrounding areas. Contact our team today!

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