Umbrella insurance is a type of liability insurance that provides additional protection beyond the limits of your existing insurance policies.

​It's designed to protect you from major financial losses in the event that you are held liable for damages or injuries caused to others.

Here are 2 typical examples:

​Are you among the UNDER-insured population?
Numbers of reports indicate that:

·         66% (2 out of 3) of homes in the US are under-insured
·         12/6% (1 in 8) motorists have NO insurance at all

Why does this happen?

​Creating an inventory of your home and other personal possessions can be an extremely useful tool for insurance purposes.  Here are the steps to take to create one:  

After a disaster, homeowners are in need of urgent repairs but this is also a time when unscrupulous contractors show up.

Generally, avoid contractors who:

At a minimum, evaluate your policies once a year to ensure they still meet your current needs and to take advantage of any potential cost savings.  Plus, certain life events or changes in circumstances may require an immediate review of your policies.

Examples of situations that may require a review of your insurance policies include:

The cost of homeowners insurance can be significant, but there are a number of discounts that can help lower your premium.
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Here is a list of 10 (yes, 10!) homeowners insurance discounts that you may be eligible for.

​Insurance quotes can vary greatly in price for a variety of reasons. Some of the most common factors that can impact the cost of an insurance quote include:

They're discounts on your homeowner's insurance coverage for making your home more energy efficient and environmentally friendly.
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Five of the most common green discounts that homeowners can take advantage of to reduce their insurance costs include:

Did you know December and January are the peak months for house fires in the US?

According to the National Fire Protection Association , COOKING EQUIPMENT is the leading cause of home fires and home fire injuries, with a reported $1.3 billion annually in property damage.

Here are 5 fire safety tips for cooking to help you avoid unexpected claims for house damage:

As we age, our driving skills can decline due to physical and cognitive changes.
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Here are 8 tips for more mature drivers to help maintain their safety on the road, potentially lower auto premiums, and lower the possibility of accidents: