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

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?

The Importance of Customizing Your Homeowners Insurance

From the building itself to the things you own and those you share it with, your home is unique. So why isn’t your homeowner’s insurance? Whether you’re shopping for your first policy or dissatisfied with your current one, it’s important to know what you might be missing within one-size-fits-all policies or just meeting the bare minimum requirements for your HOA or mortgage. Learn more about what might be lacking from your current coverage and the importance of customizing your homeowner’s insurance – including why to use an independent insurance company. Continue reading The Importance of Customizing Your Homeowners Insurance