One of the most common myths of personal umbrella insurance is that it is only for the wealthy. This couldn’t be further from the truth. Of course an individual with more wealth could have more risk which requires a more comprehensive insurance, however, that doesn’t mean that someone with less wealth doesn’t have risk as well. Umbrella insurance policies help to protect you from liability issues that go beyond the liability limits of standard insurance policies. This type of insurance can help to provide coverage for false arrest, libel, slander, invasion of [...]

Imagine, you are enjoying a wonderful Saturday morning outside. You are out walking Fido, who by the way is the friendliest dog, and you see your neighbor outside. You stop to say hi and he is trying to pet Fido. Out of nowhere, Fido bites him! You apologize but your neighbor is saying they are going to sue you for the damages. No problem, your homeowners should cover this issue, right? Until you talk to your agent and learn that your coverage isn’t enough to cover the total cost. The cost is [...]

In today’s home and auto insurance world, many people are looking for the cheapest and quickest option. Give me the lowest limits with the fewest options and get me through this. In the short run, this may seem like a good idea. But, if you are involved in a claim, and especially if you are found to be at fault or liable in a claim, this bare-bones method may come back to haunt you. In addition to examining your limits of basic coverages and optional coverages within your home and auto policies, [...]