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.
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.
Usually, auto insurance does not cover personal items left in your car. If your car is burglarized, personal possessions such as cameras and notebook computers would not be covered if stolen or damaged. We can help you with the right policy to protect your belongings.
While a comprehensive car insurance policy is great to have, it isn't a license to throw caution to the wind. In fact, you'll need to be even more careful as frequent claims (more than one per year) may result to your insurer dropping you or not renewing your contract.
When was the last time you conducted an inventory of the property in your home? Experts say it’s a good idea to have an inventory in writing, or on video, as a way to prove losses in the event of a fire or other homeowner’s claim. The inventory may also remind you of the number of valuable items in your home that may need to be protected by an umbrella policy.
What you want to know Wednesday!
If you are looking at the fall leaves which are beautiful this time of year! Make sure your spare tire in inflated, you have jumper cables, have snacks, a few bottles of water, non perishable foods, some money, and your cell phone charger , to be on the safe side, Have fun!!
Do you already have an umbrella policy? This is great news, but most people’s financial situation changes yearly, so it might no longer be enough. An insurance expert can go over your current financial status to help you find the right umbrella policy.
Your driving record has an impact on your insurance rates. The cleaner it is, the lower your rates will be. However, if you have had an incident, it will eventually be removed if you avoid future problems.
If you have not already done so, take pictures of your car as it is now and save them so you have “before” pictures should your vehicle be damaged and you need file claim (even if it is just damage from a shopping cart).
A common insurance myth is that umbrella insurance is only for the rich. In fact, mishaps happen and everyone these days is at risk for potentially getting sued over such incidents as a car accident or a fall on one’s property.
Insurance experts say that homeowners with a trampoline should consider an umbrella policy. Serious accidents are possible that could lead to expensive legal judgments or settlements. Unfortunately, being careful is not enough to stop an accident.
Apart from your regular car insurance, you may also want to look into getting emergency road service insurance. this way, you can reimburse your costs for on-site labor, towing fees, locksmith services and costs incurred for delivery services (i.e. gas, oil, batteries).
If your business requires transporting people between locations on a regular basis in your personal vehicle, your personal insurance policy will not provide coverage in an accident. You need a business automobile policy that expressly covers the range and scope of your enterprise.
You have worked hard to create your financial portfolio and to have the comfortable lifestyle you do. But the more you have, the greater the chances are that someone will try to sue you to take a share of that. An umbrella liability will provide the security to protect what you have created.
By investing in an umbrella insurance package, not only can you save money by combining various policies, but you can also be spared the time and effort needed to purchase and manage separate individual policies.
Up to 25% of drivers over the age of 65, are likely to contact their auto insurance agent to inquire about discounts on premiums. Often, these discounts are well deserved: Drivers in this age group have fewer accidents and travel fewer miles.
The annual review you conduct on your insurance policies should always include making sure information is correct. Check the mileage, how many doors are listed (two, four, hatch), the model and other items and make needed corrections. Little inaccuracies may cause problems later.
Umbrella insurance policies will cover the cost of damage or loss to another person’s tangible property. This might include costs associated with damage to vehicles and other property as a result of an auto accident and accidental damage to school property caused by your child.
If your assets have grown in the last few years, you may need to update your umbrella insurance policy. Extra liability insurance may be needed to protect the additional financial or business assets that you have acquired.
For best service, it is always best to work with a locally based car insurance agent who has an office. This makes it easier to get the personalized care you need as well as quicker results in the event of a problem.
Did you know that your insurance company will not provide coverage if an unauthorized person is found to be driving your vehicle? Therefore, it helps to restrict access to it and remind those who use it (such as a son or a daughter) not to let anyone else drive the vehicle.
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.
Depending on your particular insurance situation, with an umbrella insurance policy you can add an additional 1 to 5 million in liability protection. This is designed to kick in when the liability on other current policies has reached its limit.
It’s important to remember that the aftermarket additions you make to your vehicle after you start your auto policy with us may change your premiums. Let’s talk about whether the upgrades you’ve made can get you a discount.
