Ask any insurance agent who has been in the industry a reasonable amount of time, "What is the most important coverage I can carry?" and they will all automatically tell you umbrella insurance. Few of us carry it. Why is that? I believe it is because most of us do not know what it is and how it helps us. This weeks publication is about defining what umbrella insurance is and why it is crucial to carry. I also would like to explain the difference in an umbrella policy and an excess liability policy.
How Much Auto Insurance Do I Need?
Although everyone is different and the answer to the question, "how much auto insurance do I need," differs for every individual's needs; I believe that there is a base explanation to this question for everyone. When reading this article keep in mind that there are two categories of coverages that people shop.
What is Full Coverage Auto Insurance?
"What is full coverage" is a question that I am very passionate about because it is both a trap for prospective consumers and a potential trap for insurance agents. Technically speaking, there is no such thing as "full coverage."