The Importance of Loss Assessment Coverage

| Home Insurance, Homeowners Insurance, Insurance Claims, Loss Assessment Coverage.

When you purchase a home, condo, or townhome with an association you also become an owner in the association and any common areas.  If your community has 100 homes, then you would typically own 1/100th of the association.  Likewise, you are also are responsible for 1/100th of the liabilities of the association.  For example, if a… Read more »

Dogs and Umbrella Insurance

| Insurance education, Umbrella Liability.

Love Bites. Get Umbrella Coverage In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered? And, what do dogs and umbrella insurance have to do with each other? Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be… Read more »

Consider a Personal Umbrella Policy

| Auto insurance, Home Insurance, Personal Umbrella Insurance, Umbrella Liability.

Bad things happen sometimes.   That’s why we buy insurance coverage for our cars and homes.  Occasionally, the bad thing that happens might be because of something you did wrong, like an at-fault auto accident or an injury that occurs on your property.   In that circumstance, you might be sued by the injured party…. Read more »

Yard Sales: Potential Property and Liability Issues

| Blog.

Spring is in the air, and with all of the spring cleaning that has likely been taking place, there is a good chance you are bound to see a yard sale or two popping up in your neighborhood. A great way to clean out your home and make a little extra money, residents often look at yard sales as a way to do good by offering a second home to unused items. Unfortunately however, no matter how good their intentions, yard sales can be a potential liability problem for homeowners.