Mehrbrodt Insurance Service, Inc.

Do not forget that your prized watch is considered a piece of jewelry. If you own an expensive one, especially if it has sentimental or nostalgic value, make sure you have jewelry insurance that covers repair and replacement costs in the event something happens.

HO-8 insurance policies are specifically designed for older homes. Because it can be extremely expensive to repair or replace HVAC systems in these houses, you may want to consider a rider policy that covers them.

No one knows better than you do when it comes to the investment you have made in your personal possessions. Having the proper levels of insurance means that you are protected from financial disaster in the event of unforeseen problems.

Medicare Advantage plans offer many things that Original Medicare may not. We can help you understand the differences and find a plan that works best for you or for you.

The insurance offered by a car rental agency averages more than ten dollars a day. Frequent car renters may find adding an umbrella liability policy to their regular insurance to be a more cost-effective approach.

Did you know that half of all small businesses in the country are home-based? It’s important to consult your insurance expert if you start up a home-based business because of increased liability risks of customers visiting your home. An umbrella policy can protect you from lawsuits due to accidents or injuries from a slip and fall to an ugly encounter with your dog.

If you are considering an Agreed Amount Value insurance policy for your boat, if a claim is filed when there is a partial loss, old parts are replaced with new there is not a deduction for depreciation.

Did you know that 25 percent of drivers think that the color of their car affects their insurance rates? The remaining 75 percent have it right: the color of a car has no bearing on insurance premiums.

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.

Do you have to get umbrella insurance with your primary insurance carrier? No. Even if you have a primary insurance policy through another insurance carrier, you can still obtain extra liability umbrella insurance for an affordable price.

If you tow your recreational vehicle, the truck you use for towing may need to have additional coverage to address damage that may occur while it is in use. The type of policy depends on the vehicle, its rating and weight, and other factors.

Commercial vehicles used in business, especially large trucks, are not only more expensive than those for personal use, they also hold their value. You need a commercial policy that ensures you are not in a financial bind if something happens.

A common myth about umbrella insurance is that it carries a hefty price tag but actually umbrella insurance is some of the most affordable liability insurance you can get, with an average cost of only a few hundred dollars a year.

Did you know that umbrella insurance policies can pay for defense attorney costs? If you are sued, even if you win your case, attorney costs can quickly add up but an affordable umbrella insurance policy can cover these expenses.

Umbrella policies are designed to reduce the risk that a horrible accident or catastrophe could put you in financial peril. For example, if you have $300,000 in auto bodily injury coverage and you are at fault in an accident with more than $1 million in damage, you can be personally sued for the difference.

What’s the difference between libel and slander? Both are types of defamation, which is damage to a person’s reputation. With libel, the damage is written and published while slander is defamation that is spoken. Many homeowner’s policies exclude coverage for lawsuits or judgments as the result of libel or slander.

If you have company-wide celebrations picnics, parties, and the like and someone is injured, you may end up on the wrong end of a lawsuit. Protect yourself and your business from litigation with an umbrella liability policy.

Did you know that umbrella insurance is an affordable type of extra liability insurance which can protect self employed people who run businesses out of their homes? This type of insurance is especially useful to business like home daycare, catering or repair businesses.