Our Blog

Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.

Continue Reading...

What is the appropriate amount of coverage for your home? Replacement cost refers to the amount necessary to repair, replace or rebuild your damaged home with items of like kind and quality - i.e., your same home, in the same location, at the same size and same quality of construction. With this option, the policy pays the cost of replacing your home, without any depreciation (up to the policy limit and often without a maximum reconstruction payment). (This gives you added protection if there is a sudden jump in construction costs due to a major shortage of certain building materials. Construction costs often "surge" following large catastrophes.)

Continue Reading...

For nature lovers, many of the most memorable moments take place in the great outdoors, whether it's catching your first trout on a fly rod or summiting a peak. This is also where people often find the most solace, as time in nature can bring a sense of peace. Unless, of course, things go wrong.
Continue Reading...

Continue Reading...

Continue Reading...