You might find yourself wondering, “Do I really need an umbrella policy?” The short answer is: yes. While many consider umbrella coverage a supplemental policy compared to home, auto, and even life insurance, for many, the safety net provid…
It’s time to put the boat on the lake and get the ATVs out of storage. It’s also a great time to check with your insurance agent to make sure your summer fun items are properly protected. Here are some…
Back in 2017, I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thought I would turn this into a two-part series since there are other misconceptions that are quite…
This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College…
FALL! My most favorite time of the year…Friday night lights, college football, local festivals, and of course, hunting season! There’s that magical feeling floating in the air this time of year, whether it’s the itch to get out into the…
Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…
If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that likes to show an imaginary college professor walking an individual through a building containing exhibit…
For basketball junkies and non-junkies alike, this is the greatest time of year for college basketball. March Madness has officially arrived! The excitement for the sport is at its highest, and even the non-basketball fans believe they are the next…
Over the past few weeks, I’ve had the same discussion with two sets of family and friends about the importance of umbrella policies and what they actually cover. Surprisingly, neither couple really understood the purpose of an umbrella policy nor…
When discussing and rating homeowner insurance policies, personal liability coverage is often an afterthought. Insurance companies and insurance agents don’t always take the time to explain what it is and what it covers. Don’t fall into the trap of th…