Why Purchasing a Personal Umbrella Policy is a Wise Decision

Why Purchasing a Personal Umbrella Policy is a Wise Decision One of the most important insurance policies you can buy is the personal umbrella policy, but many people are unaware they need one. This policy provides high limits of liability to protect you against a catastrophic liability loss. It pays after your homeowners or personal auto policies' limits have been exhausted. I have attached some Umbrella Insurance Scenarios as examples for illustrative purposes. In particular, you should consider purchasing a personal umbrella policy if you have certain characteristics or engage in certain activities, including the following: • Your total assets are greater than your underlying liabilit

Homeowner Insurance Basic Coverages

(Photo by Jessica Furtney) Most homeowners policies in New Jersey include the following common coverages: Keep in mind that your policy may provide more or less coverage depending on your needs and the type of policy your purchase. Dwelling (Coverage A) pays if your house is damaged or destroyed by a covered loss, including plumbing, electrical, permanently installed heating and cooling. Other structures (Coverage B) pays if structures not attached to your house, such as detached garages, storage sheds, and fences are damaged or destroyed by a covered loss. This amount is usually 10% of the Dwelling Amount above. You may be able to request an increased limit. Personal property (Coverage C)

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