Month: August 2019

Protect Your Home With an Umbrella Policy

Imagine you’re having a party and someone twists their ankle on your property. This kind of thing happens more than you might think, and while your basic liability insurance may help, unfortunately it may not cover all the resulting costs.

Wouldn’t you rather have peace of mind knowing your assets are protected? If you don’t know much about umbrella insurance yet, now’s the time to learn.

What is umbrella insurance?

Umbrella insurance is a form of liability insurance designed to provide an all-encompassing level of protection. This coverage picks up where other forms of liability insurance leave off.

Could you benefit from umbrella insurance?

If you have a higher-risk home, such as one with a pool, umbrella insurance adds an essential layer of protection. Parents of teenagers (who tend to be riskier drivers), dog owners and anyone with a boat or rental property are also good candidates.

How much does it cost?

Umbrella insurance is available as an add-on to most people who purchase a property insurance product, such as home insurance or business insurance. Because it’s an extension of your existing coverage, it tends to be very affordable — and it’s a small price to pay for the level of protection it can offer to you.

Why do you need it?

You can easily fall victim to a liability lawsuit in today’s world. Even if you don’t have a high-risk home, accidents do happen. If you want to protect your money and property from claims made after an accident or injury, having an affordable umbrella insurance policy makes sense.

Interested in learning more about umbrella insurance? Get in touch today with one of our agents at Vick Insurance Group. You can also reach out to us on our social media Facebook, Twitter, and LinkedIn.


Find Peace of Mind (and Lower Premiums)

You’re enjoying yourself at your kid’s soccer game when suddenly it hits you: You left the front door unlocked.

Do you run home immediately and miss the rest of the game, or do you cross your fingers and hope for the best? With new advances in home safety technology, you don’t have to make this choice.

Installing devices like smart locks and sensors can help keep your home safer — and might even reduce your insurance costs. Here’s how:

Smart Locks. No more worrying about forgetting to lock the door. With a tap of your mobile device, you can lock and unlock your home from anywhere. You can also program smart locks to automatically lock whenever you leave your home — reducing the chance of an incident.

Solar Power Integrations. Want to save energy and potentially earn tax credits? Investing in solar-powered security lights or security cameras can help you do just that.

Geofencing. This emerging security technology gives peace of mind by creating a virtual bubble around your home. When you’re out of the security bubble, you’ll default to “away” mode. If there’s movement within the bubble while you’re away, you’ll get a push notification.

Fire and Leak Sensors. Today’s advanced sensors can quickly detect danger and then take action to protect you. For example, in the case of a fire, the sensor can automatically enable a smart thermostat that shuts off air conditioning, slowing the spread of smoke.

Ready for added security in your home? Reach out to our office at Vick Insurance to learn more about your safety options and how they might impact your insurance costs.