Understanding Umbrella Insurance
What is umbrella or excess liability insurance? A simple definition is that it's an insurance policy that provides coverage above and beyond your auto and home policy limits—think of it as an umbrella over the top of those other coverages.
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It’s that time of year again—when the temperatures start to fall and the heating and energy bills start to rise! The changes that accompany the season can feel like a roller coaster depending on where you live. In the southwest, the cooler weather brings relief for your home’s cooling system.
The holiday season is a time of joy, generosity, and meaningful exchanges, with fine jewelry often at the heart of gift-giving traditions. Whether it’s an engagement ring, a timeless necklace, or a family heirloom, these treasures carry both sentimental and financial value—making it crucial to ensure they’re properly protected.
The holidays bring festive cheer and beautifully decorated Christmas trees, but they also come with potential risks. Christmas tree fires cause millions in property damage annually, raising an important question: does your homeowners’ insurance cover this? Let’s dive into the details and explore ways to stay safe this holiday season.
