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10 Ways to Save on Your Car Insurance
Bodily injury liability is one type of coverage you receive when you invest in an umbrella policy. It covers the cost of damages to someone else’s body, such as injuries resulting from a serious accident.
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Online Car Buying: How Does It Work?
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Electric Cars and Hybrid Cars: Pros and Cons
Make sure you understand the exclusions involved with umbrella insurance. For example, illegal activity is not covered. If you cause a horrific accident and are found legally drunk, an umbrella policy will not pay for that claim.
In an umbrella policy, the term “umbrella” refers to how the policy shields your assets more broadly than primary liability insurance does.
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The Science Behind Winter Driving
If you already have purchased an umbrella policy, it’s recommended that you review it periodically to ensure that it’s up to date. In many cases, your assets may have grown while your policy limits stay the same, necessitating a higher level of coverage.
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How Often Should I Review My Insurance Coverage?
If you own a dog, you need protection in the event it accidentally bites someone. Over the past ten years, lawsuits against dog owners have increased at a steady rate, and the awards given to plaintiffs have increased substantially. Do not let your pet take a bite out of your financial security.
If you live in a co-op or own a condominium, a regular check of your insurance is important to make sure you have adequate coverage. While there are probably two policies in effect – yours and the association's – do they provide sufficient protection? For added peace of mind, add an umbrella excess liability policy to cover what the other ones do not.
Ever wonder why umbrella insurance policies are so affordable? This is because they are designed to kick in only after you have exhausted your liability coverage under your auto or homeowners policy, which results in lower monthly premiums.
If you are renting a car, you may want to review your homeowners and automobile policies to find out the extent of coverage. If you are considering the rental agency’s coverage, check to make sure it is sufficient to protect you in a worst-case scenario. An umbrella policy as part of your regular insurance coverage can protect you.
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Winter Driving Safety Tips
The greater your net worth, the more insurance protection you need to keep your assets safe. An umbrella insurance policy can be the perfect solution to extending your insurance coverage.
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A Timeline for Getting Your Teen Driver on the Road Safely
Did you just buy a house, or have an addition to your household. Give us a call to discuss your options for life insurance costs for you and your family. Our agency offers many different products. Just to name a few
AUTO
HOME
AUTO HOME PACKAGES (best rates)
LIFE
PET
COMMERCIAL AUTO
COMMERCIAL PROPERTY
COMMERCIAL PACKAGES
RENTERS
CONDOS
RV
ATV
MOTORCYCLE
AND OF COURSE GOLF CARTS
CALL US 856-727-0400
How is umbrella insurance different from excess insurance? Excess insurance only goes into effect when all other policies are exhausted, but umbrella insurance will fill in current insurance coverage gaps for wider and more accessible coverage.
CSM Insurance is proud to announce that we are now offering all households in NJ pet insurance with Figo Pet Insurance Company. We can customize the perfect plan for your cat or dog. Or both!!! Give us a call 856-727-0400
You can email me directly if after hours
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One step in determining whether you need umbrella insurance is not is to figure out whether you are at risk. Common factors that may put you at higher risk is whether you have a pool, a dog (thus at risk for dog bite claims), and/or a teenage driver in the home.
Did you know that an umbrella policy tends to be a cheaper option than increasing the limits on your auto and homeowners policies? Plus, you get the added benefits of an umbrella policy, such as personal injury coverage.
There are two basic steps involved in determining whether or not you need umbrella insurance. It’s recommended that you first add up your assets (the worth of your home, bank accounts, stocks, and other assets) and then see how much liability coverage you have on your homeowners and auto policies.
Did you know that you can obtain short term umbrella insurance which will cover you for a year or less? Extra liability umbrella insurance coverage can provide additional security and peace of mind for as long or as little as you may need.
Some qualities that make getting an umbrella policy a good idea include having a high-profile career, owning a farm/ranch or waterfront property, and living in an affluent neighborhood.
Even if a lawsuit is frivolous and more than a little ridiculous, you still have to pay all of the expenses to defend yourself from it. Umbrella policies help take the bite out of these lawsuits by helping to cover any lawsuit costs you have.
Don’t think that only businesses have to worry about umbrella insurance because the amount can reach as high as $10 million. It’s easily possible to be in a car accident or to suffer a homeowner’s loss that exceeds the value of your policy. Umbrella insurance fills in the gap.
Do you know what your family members may be saying in blogs that are published on the Internet? Many homeowner’s policies either don’t cover libel or slander or have a low cap that could easily be exceeded if the blogger in your home is sued.
In homeowner and auto insurance policies, liability insurance covers such expenses as the injured person's medical bills and lost wages, and legal defense representation. Often, this insurance is not enough, which is why umbrella insurance is a good option to thoroughly protect your assets.
Do you have any significant assets that you absolutely do not want to lose if you found yourself liable for a significant legal claim? The rules vary from state to state, but in some cases everything from savings accounts, emergency accounts, and college funds are at risk.
Wondering if you’re fully covered? A good way to check is to add up all of your assets, and what you’ll earn before retirement. Then compare that to your liability limits on your insurance. If the limits are less, then an umbrella policy will make sure you’re covered.
In the event that legal action is ever brought against you or your business, it pays to hire the best defense attorneys to defend your case. Fortunately, extra umbrella insurance policies can cover legal costs associated with accident related lawsuits.
Winter is coming. Download Travelers checklist to make sure you're prepared and your home is winter-ready.http://tkpl.us/ggq9o
If insurance coverage is not enough to cover costs associated with an accident lawsuit, a judgment can be placed on future earnings and assets. Fortunately, an added umbrella insurance policy can ensure that all future assets and earnings are safe when regular coverage fails.
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Help protect the inside and outside of your home from winter weather damage with these winter maintenance tips.
No matter how carefully you drive, the truth is that car accidents do happen, and they can get very expensive, very quickly. Your car insurance will only cover up to its liability limits, but if you have an umbrella policy, it will pick up where the car insurance left off.
Winter is here. It’s time to get your car ready for the snow and ice! Learn how to help prepare your car for the wintery roads, with these tips:http://tkpl.us/gi8ki
Umbrella insurance policies are designed to supplement the liability coverage you already have, whether it’s home or auto. Essentially, once you exhaust your original coverage, your umbrella coverage kicks in.
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Driving on icy roads can definitely be nerve-racking. Stay safer on the road with these tips.
Even if you have extensive homeowner’s and automobile insurance, they have limitations and if you have not updated them, those limits may be less than you realize. An umbrella policy picks up when your regular insurance runs out, protecting your financial portfolio.
Let it snow? How about no (unless you're prepared). Here are tips to help you prepare for a snowstorm: http://tkpl.us/gk16u
Even if you don't have significant assets, your lifestyle could dictate the need for an umbrella policy. Do you publish a blog? What if someone sued you for libel or slander and won a huge judgment as a result of something that was published?
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Snow Shoveling Safety Tips
One type of coverage you receive with an umbrella policy is property damage liability, which takes care of the cost of damage or loss to someone else’s belongings.
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Carbon monoxide can be a scary thing. Clearing all outdoor vents of snow can help keep you safer. Get more tips.
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Best Winter Vacation Destination
Most umbrella policies are not expensive. In fact, insurance experts say $1 million in additional liability coverage will usually cost between $150 and $300. Add another million and expect to pay an additional $75 to $100.
Use this checklist as a guide when selecting a contractor for your next home renovation. http://tkpl.us/glwzo
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Cutest Pets in Snow
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Once an ice dam has formed, a safe way to remove it is to melt it using calcium chloride. Learn more from Travelers.
Did you know that umbrella insurance policies are considered by many to be the best buy in the insurance business? If you are concerned about losing income or assets if a large lawsuit were to occur, umbrella insurance is a good option.
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Share these snow blower safety tips from Travelers to help keep everyone safer this winter.
An umbrella insurance policy can provide you with an extra layer of protection against lawsuits resulting from accidental injury or damage to someone else’s property in which you are found liable.
Your rental property is vandalized. Are you covered?
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Did you know that umbrella policies did not become widely known and sold until the 1960s? In fact, many businesses did not purchase their first umbrella policies until the 1970s.
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Create a home inventory to take stock of your valuable items.
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Winter Car Safety Tips
Umbrella insurance sounds like a good idea to protect my home and other property, but how can I possibly afford a policy of $1 million or more? Many people are surprised at the affordability of umbrella insurance. Check with your insurance expert to see how cheap rates can be on an annual basis.
Left it on the subway? Protect your valuables before it’s too late. Ask me about Travelers valuable items coverage. http://tkpl.us/gojao
In the world we live in, lawsuits continue to be a reality and courts are awarding larger amounts of money than ever. Mainstream policies have a limit on how much liability insurance they are willing to pay out, which makes umbrella insurance a smart investment.
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5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage
Wondering where to start when it comes to decluttering your home for sale? Here are 5 steps to help make the process more manageable. http://tkpl.us/gqm9c
Looking for that extra space in your monthly budget for an umbrella policy? A good way to find this cash is by raising your homeowner or auto insurance deductible. While this might mean a few hundred more in case of a claim, your umbrella coverage could save you thousands.
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Help protect your wedding from the unexpected with The Wedding Protector Plan.
Storms are a-brewin' this winter. Is your generator ready? #Protip: Follow the manufacturer’s instructions for properly grounding your generator to help avoid electrical shock. This and more helpful tips: http://tkpl.us/gpz00
Is it true that umbrella insurance is sold beginning in amounts of $500,000 or more? Check with your insurance agent, but typically, umbrella insurance begins at $500,000 and some agencies sell personal policies for up to $10 million. However, the cost for a million in liability coverage – or more – is much less than most people would guess.
Protect your valuables. Ask me about Travelers valuable policy options. http://tkpl.us/gseyc
Packing and moving can be stressful enough. Get 5 tips for moving that won’t stress your wallet, too. http://tkpl.us/gsey6
Although you may already have homeowners and auto insurance policies, umbrella insurance is going to cover you beyond this. In fact, this insurance is designed to insure you above and beyond the limits of those policies and may even cover some situations that wouldn’t otherwise be covered.
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Stay toasty this season with these space heater safety tips from Travelers.
Your tenant accidentally damages your property. Are you covered?
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Did you know that almost every state has in place financial responsibility laws that hold drivers accountable for any damage resulting from a car accident and that the at-fault driver can be sued? In this case, an umbrella policy can help keep you covered.
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Are You Prepared for the Boating Season
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An umbrella policy could be a valuable addition to a policy for extended personal liability protection.
Is it true that umbrella insurance is sold beginning in amounts of $500,000 or more? Check with your insurance agent, but typically, umbrella insurance begins at $500,000 and some agencies sell personal policies for up to $10 million. However, the cost for a million in liability coverage – or more – is much less than most people would guess.
Protect your valuables. Ask me about Travelers valuable policy options. http://tkpl.us/gseyc
Packing and moving can be stressful enough. Get 5 tips for moving that won’t stress your wallet, too. http://tkpl.us/gsey6
He doesn’t know the difference. Ask me about Travelers policy options. http://tkpl.us/gv3jo
Hurricane damage could blow your rental income for several months. http://tkpl.us/guiku
Sit down with your insurance expert to determine your assets and what's at risk if you are sued for millions of dollars. Judgments from fatal car accidents typically exceed $1 million.
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Mother nature forget to save the date? Travelers wedding insurance is there to help.
Did you know that almost every state has in place financial responsibility laws that hold drivers accountable for any damage resulting from a car accident and that the at-fault driver can be sued? In this case, an umbrella policy can help keep you covered.
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Are You Prepared for the Boating Season
Your tenants' romantic anniversary dinner takes a turn? Are you ready? http://tkpl.us/gw5fu
Group health insurance is more than a nice perk or benefit to offer - it also protects your best asset and biggest investment – your employees. Let us show you the different options available.
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How to Help Trailer, Tow and Launch Your Boat Safely
Check with your insurance professional if you are considering an umbrella policy. Many insurers require that you have at least $300,000 or more in basic liability coverage before they will write an umbrella policy.
He doesn’t know the difference. Ask me about Travelers policy options. http://tkpl.us/gv3jo
Hurricane damage could blow your rental income for several months. http://tkpl.us/guiku
Every home, auto and boat owner should consider an umbrella policy, regardless of income. Learn the basics about this important coverage at... http://tkpl.us/gxis6
An umbrella policy is a separate insurance policy that most commonly extends the liability coverage for auto or homeowners insurance. The policy doesn't kick in until all other insurance policies have been paid out.
Not all boat insurance is alike. Are there potential gaps in your current coverage? Watch this video and see why it pays to have marine specialists write your coverage. Take a look here before you launch.
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If you want to stay abreast of how much homeowner's insurance you should have to replace your dwelling, you can get a rough estimate by multiplying the square footage of your home by the building costs in your general area.
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Landlord Insurance for Rental Properties
Your tenants' romantic anniversary dinner takes a turn? Are you ready? http://tkpl.us/gw5fu
Every home, auto and boat owner should consider an umbrella policy, regardless of income. Learn the basics about this important coverage at... http://tkpl.us/gxis6
An umbrella policy is a separate insurance policy that most commonly extends the liability coverage for auto or homeowners insurance. The policy doesn't kick in until all other insurance policies have been paid out.
Not all boat insurance is alike. Are there potential gaps in your current coverage? Watch this video and see why it pays to have marine specialists write your coverage. Take a look here before you launch.
http://tkpl.us/gx4ao
If you want to stay abreast of how much homeowner's insurance you should have to replace your dwelling, you can get a rough estimate by multiplying the square footage of your home by the building costs in your general area.
As your financial circumstances improve, you need to protect your assets from attack in the event you are sued. An umbrella policy is designed to pick up where your homeowner’s policy leaves off to keep you protected.
Did you know that a personal umbrella policy covers any damage to someone else’s property that you hold, control, or care for? These potential losses are covered anywhere in the world.
Even if you are not yet eligible for Medicare, it is never too soon to begin researching the different types of supplemental Medicare plans available. Being prepared by the time you turn 65 makes joining an easy process.
Business auto insurance covers not only damage to the vehicles you use for your enterprise, but also any damage your drivers or the vehicles may cause. You do not want to put your company at risk because of an unfortunate situation.
Every home, auto and boat owner should consider an umbrella policy, regardless of income. Learn the basics about this important coverage at... http://tkpl.us/gxis6
An umbrella policy is a separate insurance policy that most commonly extends the liability coverage for auto or homeowners insurance. The policy doesn't kick in until all other insurance policies have been paid out.
Did you know that 25 percent of drivers think that the color of their car affects their insurance rates? The remaining 75 percent have it right: the color of a car has no bearing on insurance premiums.
As your financial circumstances improve, you need to protect your assets from attack in the event you are sued. An umbrella policy is designed to pick up where your homeowner’s policy leaves off to keep you protected.
Did you know that a personal umbrella policy covers any damage to someone else’s property that you hold, control, or care for? These potential losses are covered anywhere in the world.
Even if you are not yet eligible for Medicare, it is never too soon to begin researching the different types of supplemental Medicare plans available. Being prepared by the time you turn 65 makes joining an easy process.
Business auto insurance covers not only damage to the vehicles you use for your enterprise, but also any damage your drivers or the vehicles may cause. You do not want to put your company at risk because of an unfortunate situation.
Every home, auto and boat owner should consider an umbrella policy, regardless of income. Learn the basics about this important coverage at... http://tkpl.us/gxis6
Sales-Marketing. Looking for licensed agents to sell auto and home insurance.
CSM INSURANCE AGENCY
Independent Contractor
For insurance purposes, the most reliable appraisers are those who carry Certified Insurance Appraiser credentials. If you do not know where to locate one, your agent may be able to provide you with a list of those in the area.
Did you know that 25 percent of drivers think that the color of their car affects their insurance rates? The remaining 75 percent have it right: the color of a car has no bearing on insurance premiums.
If you have a condominium, you need insurance designed for that. Policies crafted for condo or co-op owners cover property damage and liability, but not the building, since it will be covered by the condominium association’s policy.
No matter how well insured you are, your coverage may not extend to your travelling, especially if you travel abroad. In addition to available protection against cancellation, sickness, injury, or death, you can also obtain protection against loss from theft.
Sales-Marketing. Looking for licensed agents to sell auto and home insurance.
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Independent Contractor
LOW Cost Auto Insurance. Need a quick liability policy or purchasing a vehicle from a dealer today? Call or visit our website. We can insure your CAR in minutes and send you proof of insurance right away!!!!
856-727-0400
Visit our website at csminsure.com...
Here you can get a free quote for Home/Renters/Condo policies in a matter of moments. Like the price? No problem, YOU have the power to purchase the policy from our website...
Bundling your Car with your Home/Renters/Condo will save you BIG MONEY!
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If you have a boat, you may want to consider adding an umbrella liability policy to protect you if you take guests out on it or if you water-ski or use other recreational watercraft. If someone is injured while aboard your vessel, an umbrella policy covers what your regular insurance will not.
If you are a small business owner who offers residential services – general contracting, roofing, landscaping – you are more likely to attract customers if you can show them that you and your employees are fully insured.
