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Personal Insurance

Why You Should Consider an Umbrella Insurance Policy

When it comes to protecting your assets, most people think of the basics—homeowners, auto, and maybe life insurance. But what happens when those policies hit their limit and you're still on the hook? That’s where an umbrella insurance policy steps in. Think of it as your financial safety net when the unexpected strikes.

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Personal Insurance

Insurance Tip: Take Photos of Your Home and Belongings – Before Disaster Strikes

If a fire, theft, storm, or other disaster destroyed your home tomorrow, would you be able to remember every item you owned — from electronics to clothing to kitchenware? Most of us think we could, but in the middle of a stressful loss, even the most basic things are easy to forget. That’s why creating a home inventory with photos and documentation is one of the smartest things you can do as a homeowner or renter. In the event of a total loss, having clear records makes it much easier to work with your insurance adjuster and recover what you're owed.

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Personal Insurance

Why You Should Consider Auto Loan or Lease Gap Coverage on Your Auto Policy

Buying or leasing a car is exciting — until you realize how quickly that new vehicle starts to depreciate. That’s where loan or lease gap coverage comes in. If you're financing or leasing your car, this coverage can be a financial lifesaver in the event your vehicle is totaled or stolen. Before you add this coverage to your auto policy, you should consider one crucial detail: your finance or lease contract may already include gap coverage.

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