personal insurance

Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.
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Considering the barrage of daily concerns, your homeowner's insurance policy may be the last thing on your mind. And yet, examining and reevaluating home insurance policies on an annual basis is a critical facet of homeownership, ensuring adequate coverage and protection for the most valuable asset and source of equity for many people in Washington and beyond. Premiums, like much else in the current economic climate, are forecasted to see some big increases in the coming year, with some expected to exceed $1,000 a year and many slated for rate hikes in the double digits.
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While we covered the basics of homeowner's insurance last week, now we'll take a closer look at the contents portion of insurance policies, also known as Coverage C. This part of your policy applies to the contents of your home and can help to replace or repair those items if they are stolen or damaged due to any of the named perils that apply to your overall policy. But just because your homeowner's policy includes contents coverage doesn't mean you simply need to sign on the dotted line. You should take steps to make sure your coverage will truly be effective should the contents of your home and especially your most valued and important possessions be stolen, damaged, or vandalized.
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For any homeowner, a robust insurance policy is a must. But if you're new to homeownership, or if you're thinking about updating your policy, you may not know much about what it does and doesn't cover, along with how to find the best policy for you and your family.
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Multiple studies have demonstrated that crime rates increase in the summer. Why? Well, the answer is complex, but researchers have suggested that some of the reasons include:
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Because you can't keep an eye on it all the time, you want your second home or rural property to stay well-maintained and protected. There are many things you can do to keep your land and buildings safe and prevent problems that can arise when a property is unattended.
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