Fire can harm all of us. People do not realize how quickly a fire can grow. Many overestimate their ability to extinguish it and the amount of time they need to escape. The best action one can make if a fire starts in your home is to GET out and STAY out. Many go back in trying to help others or save belongings. Going back into a fire is never the right move. This is the job of your firemen. This is what they are trained to do.

Homeowners and renters insurance policies are essential to help get back on track after a fire loss.

After the fire is where the insurance process will begin. What carrier do you have insurance with?  What coverages do you have? What is your deductible? What items were damaged or lost? Where will you stay while your house is repaired or replaced? These are just a few of the questions that will need to be answered. One might not be able to answer these questions after such a catastrophic event.

Are you ready to handle a situation like this? This is why it helps to have a local agent. Do you know how your insurance company handles this? After a fire loss, one has enough to deal with. Make sure your familiar with your insurance company, your agent and your policy. This will make the transition though this hardship much easier.

• Accountants Professional Liability
• Cyber Liability
• Financial Services Liability
• Lawyers Professional Liability
• Miscellaneous Professional Liability
• Private Equity Policy
• Real Estate Professional Liability
• Technology Professional Liability
• Employed Lawyers Liability
• Home Inspectors Professional Liability

Umbrella liability insurance is named because it acts like an “umbrella” sitting on top of your auto and homeowners liability policies to provide you with extra protection. Even if you do not own a home, you still need renters insurance to cover both your liability and personal liability. An umbrella policy is excess liability coverage over and above what is covered by basic homeowners and automobile insurance. An umbrella policy picks up where your auto and homeowners insurance leaves off.

Why do you need it?

Lawsuits are very pervasive in today’s world. When it comes to personal liability exposure, one must expect the unexpected. If someone were to get injured on your property they can sue you through your homeowners insurance. If the amount they win is more than what your policy will cover, you could be expected to pay this extra expense out of pocket or have a lien attached to your home. An umbrella policy can offer you that extra coverage you will need when an accident occurs. Lawsuits today are unpredictable and expensive.

If you would like to learn more contact us.