Personal FAQ

A personal umbrella policy is designed to increase your liability protection. This policy provides additional liability insurance over other personal insurance policies (Auto insurance, Homeowners insurance, Boat insurance, etc.). This allows you to purchase higher limits of liability than your … Read On

Most homeowner’s policy specifically excludes coverage for flood damage. You can purchase a separate flood insurance policy that will cover damage to your home and belongings in the case of a flood.

Your home should be insured for the amount it would cost to rebuild it. This is called “replacement cost.” Your insurance agent can help you determine the replacement cost of your home.

In the event of an accident in which a lawsuit may be filed against you, and through your negligence a court awards the plaintiff damages in excess of your limits of liability you have purchased, your personal assets could be … Read On

Collision is defined as losses you incur when your automobile collides with another car or object. Comprehensive provides coverage for most other direct physical damage losses you could incur, including theft.