Personal Umbrella Insurance Explained.

Personal Umbrella Insurance Explained. So many consumers (and some of our clients), make the mis-conception that a personal umbrella policy replaces all other insurance policies. Somehow, the thinking goes that EVERYTHING is now covered by this 1 policy. Noting could Continue reading Personal Umbrella Insurance Explained.

Explain the difference between Insurance Agent and Insurance Broker.

Insurance agents are typically an agent for a particular insurance company. If you imagine a Geico representative, who sells insurance through their own agents, who work directly for that company. Or a State Farm office, who also sells through their Continue reading Explain the difference between Insurance Agent and Insurance Broker.

Things in your garage aren’t covered by homeowners insurance!

Things in your garage aren’t covered by homeowners insurance. Let me explain – your boat that is now stored inside of your garage, still need it’s own boat insurance policy even during the winter. If that garage starts on fire Continue reading Things in your garage aren’t covered by homeowners insurance!

Do I Need an Umbrella Insurance Policy?

Do I need an umbrella insurance policy? That is a fair question to ask yourself but not one that deserves a quick answer. Because an Umbrella insurance policy goes OVER everything you own, so your risk factors are different thaan Continue reading Do I Need an Umbrella Insurance Policy?