Why Wealthy Households Need Personal Umbrella Coverage

For high-net-worth individuals, the financial consequences of being sued can be serious business. They typically have more assets at risk should be they be hit with a large court settlement or judgment and, while compensatory damages may be standard across the board,...

How to Avoid the Four Most Common Water Damage Claims

So often when we talk to one of our clients who has just filed a claim for fire or water damage, we find that they wish they would have stayed on top of repairs and maintenance. Indeed, the majority of homeowner’s insurance claims are preventable with just a...

Understanding Your Policy Exclusions

You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim and what it won’t. It’s important that...

Safeguarding Your Home Against Major Rainstorms

It’s become evident over the past few years that wherever you live, you are increasingly at risk at some point of experiencing unusually strong storms that can dump multiple inches of rain in a short period of time. Heavy rains are increasingly inundating places...

What Your Insurance Covers from a Home Burglary

According to the FBI, more than 500,000 residential burglaries occur every year. That equates to one every 15 seconds. While the chances of your home being burglarized depend on where you live and sometimes, just plain luck, it’s important to be prepared for...