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Why You Always Need an Umbrella — Even When It Isn’t Raining

February 8, 2020 by Leave a Comment

Bad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella insurance policies come in. They provide a convenient and surprisingly affordable extra layer of protection for your key assets. What happens if you are sued for causing an...
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Filed Under: Personal Insurance Basics   •  Personal Lines   •  Umbrella Insurance

Insurance for Gun Owners

September 8, 2014 by Leave a Comment

Gun Owner Insurance

In March 2013, Rep. Carolyn Maloney (D-NY) and eight cosponsors introduced the “Firearm Risk Protection Act” (H.R. 1369), the first nationwide bill to require gun buyers to have liability insurance. If you own a gun, do you need additional coverage? H.R. 1369 stalled in Congress. If passed, it would have imposed a fine of $10,000...
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Filed Under: Homeowners Insurance Information   •  Personal Lines   •  Specialized Personal Insurance Policies   •  Umbrella Insurance

Umbrella Policies: Rainy Day Protection

July 6, 2014 by Leave a Comment

Bad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella policies come in. They provide a convenient and surprisingly affordable extra layer of protection for your key assets. What happens if you are sued for causing an auto...
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Filed Under: Recommended Articles   •  Specialized Personal Insurance Policies   •  Umbrella Insurance

Ten Reasons to Buy a Personal Umbrella Policy

July 6, 2014 by Leave a Comment

In general, personal umbrellas provide extra coverage, high limits and extend your other coverages &dash: all at relatively little cost. Here are the specifics: The typical homeowners policy provides only $100,000 to $300,000 in liability coverage. A lawsuit can cost much more. A personal umbrella policy can provide limits of $1 million or more, in...
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Filed Under: Recommended Articles   •  Specialized Personal Insurance Policies   •  Umbrella Insurance

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