FAQ

One serious accident can put everything a family owns at risk, after medical costs, lawsuits and other expenses. Umbrella shields clients with drop-down liability protection and a flexible policy that covers losses other carriers won’t. Open-peril policy As a true umbrella product, Umbrella covers anything not specifically excluded, ranging from international car accidents to unexpected dog bites. Expansive base coverage coverage in the base policy that other carriers often don’t, including internet libel, personal defense and use of boats, ATVs and more. Who is covered where? All household members have worldwide liability protection To own un umbrella your home and car insurance needs to be together, the car insurance liability need to be at $250K/$500K Legal fees Covers fees over the liability limits even if claim originate outside the U.S. *Coverage may only be available withing in the liability limits. Claim limit Full policy limit available per claim in a policy period *All claims combined for aggregate limit in a policy period

Home insurance Always make sure your property is cover up to value, the your replacement cost is apply, in case of a claim your home can be repair to their original condition in the event an emergency, such as lightning strike, fire, theft, vandalism. Replacement cost Guarantees you get the current full value for items that may depreciated in value during lifetime. Personal liability Protection Give you Protections against injuries visitors sustain while on your property, and pays for those injuries for which you may be liable, up to your personalized limits When you purchase a home insurance policy, you need to be aware about 4 things for you to have a better premium rate. 1.- Find out how old is your roof?, when it was, name of the company who replace the roof and the year. 2.- Heating and ventilation 3.- Electrical 4.- Plumbing

In my experience as an Agent people like to save $$, we need to be realistic we need to make sure that we have enough coverage to protect ourselves even if you are driving an old car or new car. Liability is important in auto insurance will give you protection in case you are at fault causing the accident to another person or their property, in a covered accident that occur when your hit a person or object. Other Than collision coverage If you car is stolen or vandalized, fire windstorm or hail damage other than collision will protect your car Collision Protect the car in a total loss, if you want to save money you can choose higher deductibles that will reduce your premium.

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