Your Insurance and Financial Partners

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

Umbrella insurance is a type of liability insurance, meaning its job is to protect you against lawsuits. Damages in a lawsuit can easily add up to millions of dollars — far more than the liability protection on most homeowners or auto insurance policies. Having an umbrella policy keeps a massive lawsuit from wiping out all your other assets.  

 There are two good reasons to buy umbrella insurance. The first is if you have a lot of assets and not enough liability coverage to protect them in a lawsuit.  The other reason is if you’re at a higher-than-average risk of being sued. like if you spend a lot of time on the road, you’re at more risk of an auto accident that could lead to a lawsuit. Or if you have teenage drivers driving around with "your assets in their trunk".

When speaking with your agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

No. You do not need a new home appraisal during the renewal or coverage change process.