Vandenberg Insurance Agency

Once you have your insurance policy, be sure to keep your representative informed of any changes you make. For example, if you add or upgrade equipment, it will not be covered until it is added to the policy.

Federal law guarantees you the right to purchase a Medigap policy regardless of your health and to receive the best rates available. We can walk you through the process.

Before signing your automobile insurance policy, read it carefully to make sure you understand exactly what is and isn’t covered as well as any limits or exclusions. If you don’t understand something, ask the agent.

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.

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.

Homeowners insurance is not only for single residence dwellings. Condominium owners should also consider carrying this type of policy for liability and personal property coverage; the association’s policy covers building damage.

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.

Not sure how you could afford the extra umbrella policy payment you need? You might be surprised, since adjusting the liability limits or deductible on your current policies might make a big difference. An insurance expert can go over your options with you to help you figure it out.

There are some events that are not typically covered by liability insurance. For example, neither libel nor slander is usually covered. If you become an active blogger on different topics, an umbrella policy to protect against libel or slander actions could become crucial.

Ask your insurance professional about your options when it comes to umbrella policies. Many insurance companies will only write an umbrella policy for auto insurance, for example, if you also have your basic auto coverage with them.

When was the last time you conducted an inventory of the property in your home? Experts say it’s a good idea to have an inventory in writing, or on video, as a way to prove losses in the event of a fire or other homeowner’s claim. The inventory may also remind you of the number of valuable items in your home that may need to be protected by an umbrella policy.

One type of coverage provided by umbrella insurance is bodily injury liability. Basically, this coverage is designed to cover the cost of damages to another person’s body, including the cost of medical bills and any liability claims that may result from this.

Do you like to clean out your home and hold regular garage or yard sales? If so, review your homeowner’s policy to make sure you have sufficient coverage because if someone is hurt on your property, you can be held liable. To make sure you are sufficiently covered for any contingency, consider adding an umbrella liability policy.

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.

Many insurance experts recommend that you carry umbrella insurance if you have a net worth of $500,000 or greater. It’s important to understand that net worth is basically what you own minus what you owe on that.

Bodily injury liability is one type of coverage you receive when you invest in an umbrella policy. It covers the cost of damages to someone else’s body, such as injuries resulting from a serious accident.

People that are typically covered under a personal umbrella policy are you, your spouse if he or she lives with you, relatives, and other people under 21 living in your home under your care.

Do you have a savings account for your child’s college education? Make sure that these savings are 100% secure with an extra liability umbrella insurance coverage policy which will protect you in the event of an accident.

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