As your assets increase, you should consider a larger amount of liability protection. The best way to do this is through an Umbrella Liability Policy. Umbrella policies "umbrella" over your other policies, such as Auto, Home, Boat, Motorcycle, Rental Properties, etc. to help ensure you have plenty of liability protection on all of your assets. These policies are generally inexpensive, so it's a great way to have peace of mind.
Two quotes can appear the same to many people, but the differences become very evident when a claim occurs. Do you have replacement cost on your contents? Do you have a Water/Sewer Backup Endorsement? Do you have Animal Liability? Has your coverage kept up with your home and contents values? Not only does a free review provide peace of mind, but we oftentimes save homeowners hundreds (or more) by finding a better option.
So often, when asked what Auto coverages they have, the answer given is, "full coverage." If you have assets to protect (home, savings, investments, future income), there are more important coverages to understand than "full coverage." Let us help you make sure you have the right coverage now and in the years to come. It's too late to fix your coverages after an accident...call us today to get the right coverage before an accident occurs.
Have you begun renting out one of your properties? If so, a regular homeowners policy is not what you need. They may seem similar, but if you have the wrong policy, you risk having a claim denied...not a good situation. Plus, oftentimes, the rates for a rental property are lower. Let us review your situation and determine what the best option is for you.