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Fall Home Maintenance Tips
Excited to announce the agency has moved to the Synergy Center in Cottleville!
#theryanborlandagency #insurance #broker #cottleville
If you worry about getting sued over accidental slips and falls on your property, an umbrella policy may be just the answer. This type of extension insurance is designed to protect you against unforeseen accidents.
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How to Choose Car Insurance in 4 Steps
Planning to move? Get 30 things to do for 30 days to help make your move easier. http://tkpl.us/fwve6
So how much exactly does an umbrella insurance policy protect you beyond your original insurance coverage? Depending on the policy, it can add an additional one to five million dollars in liability protection.
Are you prepared for a severe storm this #HurricaneSeason? Having the proper provisions can help make a difficult scenario safer. Find more items to put on your emergency prep checklist. http://tkpl.us/fxm2c
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Yard Safety
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.
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Understanding an Umbrella Policy
Are you prepared for when the unexpected strikes? With #hurricaneseason in full swing, it’s important to know what to do before, during AND after a hurricane.
What are the requirements to qualify for an umbrella insurance policy? While the rules can vary from company to company, most insurance companies require that an individual have a certain level of homeowner’s or auto liability coverage – often at $500,000 – in order to be considered for an umbrella policy that adds more liability coverage.
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Driving in Fog Safely
If you enjoy recreational activities – like boating, traveling in your own RV or even skiing – it is a good idea to carry extra liability umbrella insurance. In the event of an accident, this type of insurance can protect you against a lawsuit.
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Halloween Safety Tips
Whether you're gearing up for a move or just trying to organize all the "stuff" you have in your garage, Travelers has tips to help you declutter like a pro. http://tkpl.us/g2dlu
Do you own an outdoor playset, trampoline, or swing set? These can be a lot of fun, but they can also open the door to injuries and accidents. But you don’t have to worry. An umbrella policy can help cover any expenses from injuries or accidents that your other coverage can’t cover.
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10 Reasons to Get a Home Generator
Some SAFE steps to consider when heading out of the house for the day:
Secure your home.
Arm your security system.
Follow the forecast.
Evaluate your exterior.
Read for more info: http://tkpl.us/g4d3o
When deciding whether umbrella insurance is right for you, some things to keep in mind are whether you own a home, whether you own any significant assets, and whether you have built an investment portfolio or retirement savings account.
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Space Heater Safety Tips
Did you know that you could be liable for bodily injury costs if your dog bites someone? An umbrella policy can cover these so you do not have to deal with the financial repercussions.
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When Do I Need Extra Insurance for Jewelry and Other Valuable Items?
Happy Friday, hope you are having a great week. If you have worked with my agency I invite you to review us on Google. I appreciate all your support. Have a safe Halloween. Cheers
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Worried about staying safe while driving in bad weather? Here are six helpful tips from Travelers to stay safer on the roads in the face of unpredictable elements.
People that are typically covered under a personal umbrella policy are you, your spouse if he or she lives with you, relatives, and other people under 21 living in your home under your care.
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5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage
If you are a professional, liability insurance alone may not be enough to keep you protected. Often the limits of these types of policies are not enough to cover a person’s assets.
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Yard Safety
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10 Easy Renovations That Can Help Prep Your House for Sale | Travelers Insurance
Personal liability umbrella insurance is designed to give a home or vehicle owner added liability protection without a large added cost. In addition, it will cover non-business related activities around the world.
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How to Help Prevent Frozen Pipes
One way to save money on umbrella insurance coverage is to ask about any available discounts. In addition to multiple policies, discounts may be available for membership in certain organizations, such as AARP, AAA and the American Bar Association.
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5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage
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Tips for Handling a Tire Blowout
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Understanding an Umbrella Policy
If you are having your home remodeled, you may want to consider adding an umbrella liability policy to your homeowner’s insurance to protect you in the event of an accident. Even if the contractors have insurance, that does not mean action cannot be taken against you if someone is hurt.
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5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage
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Car Maintenance Checklist
A lot of the time, umbrella coverage can be bundled with your current auto insurance and home insurance provider. This will make it easy to use in case you need it. An insurance expert will help you go over options so your insurance all works together well.
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7 Common Car Accidents and How to Help Avoid Them
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.
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Online pay gets you back to play
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How to Protect Yourself from Package Theft and ID Fraud
Because a personal umbrella policy is like a type of excess insurance, it is relatively inexpensive compared to traditional home or auto insurance.
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Home Solar Panel Installation Tips
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.
Wishing you and your family a #HappyThanksgiving.
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How to Talk Turkey
This year we can expect more from our Turkey. Happy #Thanksgiving.
An important issue to consider these days is how far your current insurance protection will really go to protect you. In today’s litigious society, a good umbrella policy will ensure that you have all the coverage you need.
Stay both safe and unrecognizable while grocery shopping this #Thanksgiving Holiday.
Did you know that average defense attorney costs for even small cases can easily run into tens of thousands of dollars? Umbrella insurance can cover these costs if legal action is ever brought against you or your business.
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 to Talk Turkey
This year we can expect more from our Turkey. Happy #Thanksgiving.
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.
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Yard Safety
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.
Great little read.
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Did you know that average defense attorney costs for even small cases can easily run into tens of thousands of dollars? Umbrella insurance can cover these costs if legal action is ever brought against you or your business.
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.
Did you know that the laws for umbrella policies vary from state to state? To determine the extent of coverage for your state, it is a good idea to consult with an insurance professional.
A little thank you from my Safeco rep.
#theryanborlandagency #safeco
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Create a home inventory to take stock of your valuable items.
The reason umbrella policies are so affordable is that the law requires that basic coverage must be paid out first. In the case of an auto accident with $500,000 in injury damages, the auto liability policy pays on a primary basis. An umbrella policy is only accessed if the claim has not been completely paid.
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Ahoy! Safer boating ahead.
Left it on the subway? Protect your valuables before it’s too late. Ask me about Travelers valuable items coverage. http://tkpl.us/ghob6
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5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage
Did you know that, in most cases, umbrella insurance policies are really affordable? Additional liability insurance is often inexpensive, adding another layer of liability protection without a significant added cost.
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Help protect your wedding from the unexpected with The Wedding Protector Plan.
Your rental property is vandalized. Are you covered?
http://tkpl.us/gilac
Did you know that the laws for umbrella policies vary from state to state? To determine the extent of coverage for your state, it is a good idea to consult with an insurance professional.
A little thank you from my Safeco rep.
#theryanborlandagency #safeco
Your tenant accidentally damages your property. Are you covered?
http://tkpl.us/gkpw0
While it is always a good idea to find ways to maximize your financial strength, it is also a good idea to protect it. While you can cut costs with a higher insurance deductible, you do not want to be paying on the back end when coverage is exhausted. An umbrella liability policy will provide the money you need when your regular policy has reached its limits.
TKPL.US
5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage
Did you know that, in most cases, umbrella insurance policies are really affordable? Additional liability insurance is often inexpensive, adding another layer of liability protection without a significant added cost.
TKPL.US
Help protect your wedding from the unexpected with The Wedding Protector Plan.
Your rental property is vandalized. Are you covered?
http://tkpl.us/gilac
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An umbrella policy could be a valuable addition to a policy for extended personal liability protection.
Did you know that umbrella insurance policies provide insurance beyond traditional home and auto? They can also provide coverage for claims that may be excluded in primary policies, such as false arrest, libel, slander, and invasion of privacy.
Protect your valuables. Ask me about Travelers valuable policy options. http://tkpl.us/glxto
What’s the difference between libel and slander? Both are types of defamation, which is damage to a person’s reputation. With libel, the damage is written and published while slander is defamation that is spoken. Many homeowner’s policies exclude coverage for lawsuits or judgments as the result of libel or slander.
Your tenant accidentally damages your property. Are you covered?
http://tkpl.us/gkpw0
While it is always a good idea to find ways to maximize your financial strength, it is also a good idea to protect it. While you can cut costs with a higher insurance deductible, you do not want to be paying on the back end when coverage is exhausted. An umbrella liability policy will provide the money you need when your regular policy has reached its limits.
Hurricane damage could blow your rental income for several months. http://tkpl.us/gnyrc
One way to pay for the extra cost of an umbrella policy is to raise the deductibles in your auto or homeowner's policies. The deductible is the amount of money you agree to pay upfront, before the insurer handles the rest of the claim.
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Mother nature forget to save the date? Travelers wedding insurance is there to help.
Umbrella insurance coverage can help to protect business owners in the event of an accident and lawsuit. This type of very affordable extra liability insurance can offer an extra level of protection to both large and small businesses.
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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.
Your tenants' romantic anniversary dinner takes a turn? Are you ready? http://tkpl.us/gpfd6
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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How to Help Trailer, Tow and Launch Your Boat Safely
In this modern day world of on-line video and pervasive social media, you may be opening yourself up to slander or libel litigation. An umbrella insurance policy can provide much needed coverage in the event a lawsuit is filed against you.
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Water damage can spin out of control.
He doesn’t know the difference. Ask me about Travelers policy options. http://tkpl.us/gok6i
What does my net worth have to do with umbrella insurance? This type of insurance can provide additional coverage beyond the normal limits of auto and homeowner’s policies. Understanding your net worth means you are aware of what is truly at risk in the event of a large lawsuit.
Packing and moving can be stressful enough. Get 5 tips for moving that won’t stress your wallet, too. http://tkpl.us/gsn2u
We know that riding bicycles has many advantages - from health to bettering the environment. However, if you ride competitively, did you know that you could face legal problems if there is an accident and you are found culpable? An umbrella policy as an extension of your homeowner’s policy can provide additional protection.
One of my least favorite parts of my job is that I sit on hold a lot, but it does allow me to work on my game.
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If you decide to take a chance and go without umbrella insurance, don't look at accident statistics. The National Center for Health Statistics says there are more than 31 million injuries in the U.S. each year that require hospitalization.
Farm insurance has provisions similar to other types of insurance and can be used to fill in gaps in those that you carry. These include temporary relocation coverage and medical coverage in addition to liability and property coverage.
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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.
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.
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.
