ESI Insurance Agency

For insurance purposes, the most reliable appraisers are those who carry Certified Insurance Appraiser credentials. If you do not know where to locate one, your agent may be able to provide you with a list of those in the area.

Even if you are not yet eligible for Medicare, it is never too soon to begin researching the different types of supplemental Medicare plans available. Being prepared by the time you turn 65 makes joining an easy process.

Bad weather is always a threat to the condition of your boat; that is why we recommend reviewing and updating your policy at the start of the boating season. In addition, being able to store it safely indoors during the off-season may bring a rate reduction.

Don't base the amount of homeowners insurance on your property tax. Property taxes include the value of the land, and you do not need an insurance policy for that since it is not considered something that can be damaged.

Because of the amount of equipment and number of accessories on a recreational vehicle, typical automobile insurance may not cover everything. Recreational vehicle policies can be tailored to cover as much or as little as you want so that you have the level of protection you prefer.

Regardless of well-structured your finances may be, some debilitating illnesses or conditions may strike suddenly, preventing your from accessing funds you need. Long-term care insurance covers needed expenses until (and after) you are in better position to handle your affairs.

If you are looking for a way to incorporate an umbrella policy into your budget, boosting the deductibles of your auto and homeowners’ insurance can reduce these premiums by hundreds of dollars.

Sit down with your insurance expert to determine your assets and what's at risk if you are sued for millions of dollars. Judgments from fatal car accidents typically exceed $1 million.

In an umbrella policy, the term umbrella refers to how the policy shields your assets more broadly than primary liability insurance does.

If you already have purchased an umbrella policy, it’s recommended that you review it periodically to ensure that it’s up to date. In many cases, your assets may have grown while your policy limits stay the same, necessitating a higher level of coverage.

How can I tell if I need an umbrella insurance policy? Simply add up your assets and compare that figure to the liability coverage in your home and auto policies. If the assets are greater than the coverage, that means you are at risk and should consider umbrella insurance, according to experts.

If you are renting a car, you may want to review your homeowners and automobile policies to find out the extent of coverage. If you are considering the rental agency’s coverage, check to make sure it is sufficient to protect you in a worst-case scenario. An umbrella policy as part of your regular insurance coverage can protect you.

If you own a rental unit, umbrella insurance is a good option. This type of policy will help to protect you against liability that you may face as a landlord: everything from personal injury to someone getting bitten by your tenant’s dog.

If you decide to take a chance and go without umbrella insurance, don't look at accident statistics. The National Center for Health Statistics says there are more than 31 million injuries in the U.S. each year that require hospitalization.

Generally, your primary policies will cover personal injury and property damage, but umbrella coverage is a little more extensive. Umbrella policies cover you in case of any bodily injury or property damage cause by you, your pets, or your dependents, directly or indirectly.

Did you know that you can obtain short term umbrella insurance which will cover you for a year or less? Extra liability umbrella insurance coverage can provide additional security and peace of mind for as long or as little as you may need.

How is umbrella insurance different from excess insurance? Excess insurance only goes into effect when all other policies are exhausted, but umbrella insurance will fill in current insurance coverage gaps for wider and more accessible coverage.