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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Managing insurance coverage doesn't have to be complicated. Combining multiple policies with a single insurer can make it easier to stay organized, understand your coverage, and manage important insurance information in one place while potentially unlocking additional savings.
Flooding isn't limited to coastal regions or homes near major rivers. Heavy rainfall, rapid snowmelt, and overflowing streams can all cause water to accumulate on normally dry land, potentially resulting in costly damage that may not be covered by a standard homeowners insurance policy. Understanding your coverage options can help you better prepare for the unexpected.
As temperatures drop, fireplaces become a popular source of warmth and comfort. Understanding simple fireplace safety and maintenance practices can help you enjoy the season while reducing the risk of chimney and home fires.
