As the crisp fall air rolls in and the leaves start to change, many of us look forward to cozying up by the fireplace, heading out for scenic drives, and preparing for the upcoming holiday season. However, autumn also brings unique challenges that make proper insurance coverage vital. From weather-related accidents to home safety challenges, we will go over the most common insurance claims that are filed during the fall and how you can make sure you have the needed protection. Continue reading Most Common Insurance Claims in the Fall
Category: Umbrella Insurance
How Insurance Changes When Downsizing Your Home
Thinking about downsizing can feel like a really big step, but it’s an exciting chance to rethink what you really need in a home. Whether you are moving out of your parents’ home into your first apartment or from a family home to a retirement condo, there are several important aspects to keep in mind. In this blog, we will walk you through how insurance changes when downsizing your home and guide you through taking a new home inventory, assessing changes in liabilities, and determining whom it needs to cover. Continue reading How Insurance Changes When Downsizing Your Home
Event Insurance or Umbrella Insurance for Liability Coverage?
If you’ve got a big event coming up, you’re doing a lot of planning. Beyond picking out the menu and breaking out the decorations, you might be thinking about the welfare of your guests, including what might happen in an accident. That focus on liabilities might convince you to invest in insurance to help, but what kind? Today, we’re looking at event insurance and umbrella insurance for liability coverage: which is most useful under what circumstances and how they work. Continue reading Event Insurance or Umbrella Insurance for Liability Coverage?
What Life Events Require Increasing Liability Insurance?
We don’t really think a lot about our personal liability or that of the people around us, but there are events in our lives that make us more vulnerable to lawsuits and other legal actions. Today we will focus on when you should look at increasing liability insurance due to personal events in your life. If you’re interested in liability insurance related to a business, see our blog, What Is and Isn’t Covered by Your General Liability Business Insurance? Continue reading What Life Events Require Increasing Liability Insurance?
How Umbrella Insurance Helps with the Holidays
We hope your holiday planning has been going well. Every year, we all invest our time, money, and energy into making these holidays the best they can be for our friends, family, and community. But sometimes while we’re making these plans, we miss crucial details. Today, we will talk about how liability needs to factor into your duties as a host, guest, or business and how umbrella insurance helps with the holidays. Continue reading How Umbrella Insurance Helps with the Holidays
What Policies Should You Bundle with Renters Insurance?
Whether it’s an apartment or house, if you’ve signed a lease, renters insurance is a vital part of your protections for possessions. And while getting the right policy with the right coverage should be first and foremost, making sure you’ve got the right additional coverage—from other policies, endorsements, and changes to premiums and deductibles—is also crucial. Learn what policies you should bundle with your renters insurance to get the most out of all of them and the right coverage for your needs. Continue reading What Policies Should You Bundle with Renters Insurance?
When Should You (And Shouldn’t You) Be Bundling Insurance?
Insurance bundling isn’t a new concept—getting your various types of insurance (homeowners, auto, etc.) from the same company makes both your and your insurance provider’s life easier. Beyond the usual discount incentive, bundling insurance simplifies your logistics—things like paying bills, keeping records, and filing claims are easier. But there are times bundling insurance isn’t going to be in your best interests, especially if the savings come at the cost of quality coverage. Continue reading When Should You (And Shouldn’t You) Be Bundling Insurance?
What Is Umbrella Insurance (and Why Should I Bundle It)?
Did you have an insurance policy fail on you? Be it a gap in your coverage, hitting payout limits, or an issue of liability, there’s a policy that more and more Americans are bundling with their existing insurance policies: umbrella insurance. This inexpensive insurance fills the gaps that other insurance leaves behind when it comes to liability. Today we’re going to answer the question: “What is umbrella insurance?” and discuss how you can bundle it with your other policies to enhance your coverage. Continue reading What Is Umbrella Insurance (and Why Should I Bundle It)?
What is Liability? Understanding Insurance and Risk
When looking at insurance – almost any type of insurance – you’ll see the word liability. It’s at the core of what insurance is for, the paying of costs incurred by the policyholder that is covered under the policy – that’s what liability is: something a person (or company) owes another. But what does it mean in the context of common insurance? And what does it mean to the larger concept of risk in insurance? Today we’re going to answer these questions, including some helpful examples. Continue reading What is Liability? Understanding Insurance and Risk
When Should I Add Umbrella Insurance to My Existing Policies?
We’ve all had those moments where our insurance coverage didn’t hold out. Maybe it was when costs exceeded your policies’ payout limits. Maybe it was something you thought you were covered for by an existing policy, only to find out you weren’t. Beyond getting better insurance policies, it might be time to look at other insurance to shore up your coverage. It might be time to add umbrella insurance to your existing policies for improved liability protections for you and your family – and even beyond. Continue reading When Should I Add Umbrella Insurance to My Existing Policies?
