Why have an Umbrella Policy?

A Real-Life Scenario Involving Excess Uninsured Motorist / Under Insured Motorist (UM/UIM).

Incident: The insured was driving on a highway when they were rear ended by another driver, causing their car to hit a light pole. The other driver was uninsured and attempted to flee the scene but was apprehended. The insured sustained serious injuries to their bodies.

Outcome: The insured’s primary insurance company paid out the full Uninsured Motorist limit. Unfortunately, it still left the insured with $260,000 in medical expense. Thankfully, the RLI Personal Umbrella Excess Uninsured Motorist coverage paid the remaining expenses of $260,000.

Call us today and let’s set up an Umbrella Policy for you. An Umbrella policy costs a lot less than you may think and provides you with a million dollars worth of additional coverage or more!


By |2018-06-09T09:47:45-04:00March 28th, 2017|Insurance|0 Comments

Can I Get Home Insurance if I Have a Pit Bull?


The cost of homeowners insurance can be impacted by a myriad of things, from crime rates to flood risk in the area. Many homeowners don’t expect the cost of a policy to depend on the breed of dog they own, but this does factor into the cost. One breed of dog that has received a lot of negative press lately in the pit bull – a breed of dog commonly used in dog fighting, and also a very common breed to see in shelters and rescues.

Homeowners Insurance and Dangerous Dogs

The HSUS estimates that there are over 84 million dog owners in the United States. Roughly 5% of these animals are classified as pit bulls. While homeowners insurance may exclude liability coverage for families that own pit bulls, they also may exclude other dogs believed to be aggressive, such as an Akita, Alaskan, Chow, Doberman Pincher, German Shepherd, Malamute, Presa Canario, Rottweiler, Siberian Husky, Staffordshire Bull Terrier, or Wolfdog.

How Does a Dog Bite Affect Homeowners Insurance Rates?

A dog bite occurs in the United States every 75 seconds. Over 800,000 Americans seek medical attention for dog bites, and half of these are children. 386,000 will require treatment in an emergency room. The fifth most popular reason for a child visiting an emergency room is a dog bite. While a dog bite can be serious, the fatality risk is extremely low, at .000002%; fatalities are estimated at 16 per year. The average insurance payment for a dog-related injury is just over $21,000. Dog bites accounted for more than a third of all homeowners insurance liability claim dollars in 2011, and insurance companies dole out more than $1 billion […]

By |2018-06-09T09:47:45-04:00March 10th, 2017|Insurance|0 Comments