Does Umbrella Insurance Provide Property Coverage?

Every umbrella insurance policy in Longmont, CO is different, so we’re not going to be dealing in absolutes. But, generally speaking, your umbrella plan is not going to cover your own damages. That is, if your car is damaged in an accident, you would go to your auto insurance provider in order to get that covered. But, if someone else’s car is damaged in an accident, and you are found to be at fault, umbrella insurance could kick in and protect you from lawsuits if the damages exceeded the limits of your auto policy.

Whatever you might be told about insurance, you can always find an exception. You can find commercial insurance policies that cover commercial autos by default, you can find home insurance providers that will pay to pull a fallen tree off of your property even if it didn’t crush any insured property. This is because every policy is written specifically for the person buying it. But by and large, there’s not much point in trying to talk your umbrella insurance provider into selling you coverage for your car or home or other personal property. Umbrella insurance is about liability.

The fact is that it’s very easy to calculate precisely what your car or home or other property is worth. There is a cap on that number. A $250,000 home is not going to cost $2,000,000 to repair, so you can safely insure it for what it’s worth and leave it at that. Umbrella insurance comes in handy because liability costs really have no ceiling. The cost can be far higher than anything you were prepared to pay out of pocket. 

If you’re in Longmont, CO and considering buying umbrella insurance, get in touch with 1st American Insurance Agency. 1st American Insurance Agency can provide you with a plan that works for you.

How to Keep Your RV Safe During Summer Travels

The last thing you want to think about is a crime when you’re on an RV road trip. By taking some precautions, you can avoid situations that compromise the safety of your vehicle and family. The following tips from 1st American Insurance Agency can keep you and your vehicle safe during summer travels.

Keep RV Doors Locked

Lock the doors to your RV every time you leave, even for a short amount of time. Unlocked doors make your vehicle an easy target for theft, even if it’s parked in a relatively safe location. It only takes a few minutes for an experienced thief to slip inside your RV and walk off with cash or valuables. Locking your RV doors is a deterrent against intruders.

Park in Visible, Well-Lit Sites

Always park your RV in a visible, well-lit location, whether you’re in a campground in Longmont, CO or supermarket parking lot. At campgrounds, choose a place close to other campers as there’s greater safety in numbers.

Leave Costly Goods at Home

Items like your laptop, cell phone, tablet, and other electronic gadgets can be useful on the road as well as entertaining. High-end goods, however, that aren’t needed on the road should be left in your Longmont, CO home to reduce the risk of theft or loss. Wearing costly jewelry or carrying around pricey gadgets can attract the attention of thieves and make you a likely target.

Update Your RV Insurance

The right RV insurance protection will make for smoother, safer RV travels. By protecting your vehicle with collision, liability, comprehensive, and uninsured motorist coverage, you’ll be covered against theft, vandalism, accidents, breakdowns and other mishaps that can occur on the road.  

To purchase RV insurance for your summer road trip, call or visit 1st American Insurance Agency, serving residents in Longmont, CO.