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Personal Umbrella Insurance Excess liability and umbrella liability are often referred to in the same context.  Both policies provide additional liability limits above the primary insurance policies (these are considered underlying coverage).  The common primary policies that an excess or umbrella policy sit over are; personal auto, homeowners, landlord and recreational vehicle.  Additional coverages may…

Home Insurance The home policy is a package policy that combines two separate coverages (property and liability insurance) into a single policy.  So, if the home suffers a fire loss, for example, the home policy provides coverage for the fire damage.  In addition, if a guest falls down the stairs of the home and sues…

Auto Insurance The standard personal auto policy includes liability coverage that is required by law if you own a vehicle. It also includes may include the following optional coverages depending on state statutes. Medical payments uninsured motorist coverage and damage to your covered auto. This type of policy may be written to insure private passenger…