Whether you’re heading off campus, signing a lease for a new job, or upgrading your space, there’s one important step many renters forget: protecting what’s inside. From laptops and textbooks to furniture and everyday essentials, your belongings can add up quickly—and so can the cost to replace them if something goes wrong. In this blog, we’ll dive into the basics of renter’s insurance and how it can help protect you in situations involving theft, liability, and property damage. Continue reading New Lease, New Risks: Renter’s Insurance
Tag: Liability
Protecting Your Assets with Umbrella Insurance
A growing family. A new car in the driveway. A successful career or a new investment property. As your life changes, your risks do too—but many people forget to update their insurance along the way. That’s where umbrella insurance comes in. In this blog, we’ll dive into what umbrella insurance is, who needs it, and how it adds an extra layer of protection when your standard coverage runs out. Continue reading Protecting Your Assets with Umbrella Insurance
Attractive Nuisances and Your Liability Insurance
Homeownership comes with many responsibilities, including ensuring the safety of others on your property. Certain features, known as “attractive nuisances,” can pose significant risks, particularly to children, including those who trespass. Understanding what these are and how to protect against related liabilities is crucial. This blog will review common attractive nuisances and explain how liability insurance and additional umbrella coverage can safeguard you. Continue reading Attractive Nuisances and Your Liability Insurance
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?
How Home Renovations and Homeowners Insurance Interact
Home renovations start as dreams, then become plans, then budgets, a major project happens, and then your home is closer to your dream. But one thing often overlooked in the planning stages is how a home remodel can affect your homeowners insurance—namely, your premiums and what’s covered. There are three primary ways that home renovations and homeowners insurance interact. Let’s go over them below. Continue reading How Home Renovations and Homeowners Insurance Interact
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 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)?
Holiday Parties and Homeowners Insurance
‘Tis the season to be jolly! And while you’re decking the halls and anticipating that upcoming holiday party, it’s also a good time to review the protections you have for your home and guests with your homeowners insurance. We all want to be good hosts, anticipate needs, and make sure our guests are safe This requires an understanding of what your homeowners insurance policy does (and does not) cover and how you can help keep the holidays accident free. Continue reading Holiday Parties and Homeowners Insurance
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
