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Learn how to Keep and Maintain a Fire Extinguisher in Olympia, WA

How to Keep and Maintain a Fire Extinguisher in your Home

Fire Extinguisher Safety in Olympia, WAYour home is much more than the place that you live or where you sleep. It is where you create memories, raise a family and have family and friends over to visit. Keeping everyone safe while they’re there should be a first priority. But, when was the last time you looked at your fire extinguisher to ensure it would perform if a fire broke out in your home?

A fire extinguisher is arguably one of the most important pieces of safety equipment in your home or apartment (second only to a smoke detector) and should be kept up at regular intervals. Just because you have a fire extinguisher in the home doesn’t mean that it will function in case of emergency. With these tips, however, you’ll be better set in case of emergency and in the event you have to use an extinguisher to put out a fire.

1.) Inspect your extinguisher once per month.

Inspecting your fire extinguisher will ensure the canister is charged and ready to work in case of a fire. You should inspect the extinguisher for damage and check the charge meter (typically a green to red meter near the top). Try to inspect your fire extinguisher monthly to ensure it is where you left it and that the extinguisher is in good shape.

2.) Maintenance

Your fire extinguisher really doesn’t require much, but should be maintained at least one time per year. Like any pressurized system, the canister will lose pressure over time. Ensure that it is “charged” and if required, get it recharged or replace the extinguisher.

Other items that should be considered are:

  • Is your extinguisher accessible? Are there items in front of your extinguisher that would cost you time or block your access to it in case of emergency?
  • Is the needle pointing to green on your extinguisher’s gauge?
  • Is the nozzle in good shape (perhaps it was dropped and damaged). If not, replace the extinguisher.
  • Is the pin intact and appear to be in good shape?
  • Is the canister itself in good shape and free of dents, rust or obvious signs of leaks?

Keeping your fire extinguishers in your home in good working order is just one of the important steps to keeping your home and house guests safe. It is also a way to avoid a costly and emotional homeowner’s insurance claim. If you have questions about your home, auto or commercial insurance, call the insurance agents at Trucordia. They have locations throughout Washington State in Olympia, Centralia, Vancouver and Marysville. They have years of insurance experience and can help you insure everything from your home to your auto or business Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

 

 

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Keep your Home in Olympia, WA Safe this Winter by Following Proper Fireplace Safety

Protecting your Home and Guests from Fireplace Dangers in Olympia, WA

A fireplace is one of a home’s greatest features and can bring an ambiance and warmth to a space to create that perfect night in on a cold evening. As important as they are for creating the perfect mood, it is equally important to ensure that you properly maintain your fireplace.

Fireplace Safety and Maintenance

Wood Burning Fireplaces

  • Ensure your flue is open and clear from obstructions. It is important to take a peek up your chimney (before lighting your fire of course) to be certain the chimney is not blocked. Often time birds or other animals will make shelter in your chimney in the off-season, so be sure to check if you haven’t used your fireplace in some time.
  • Keep glass doors open. If you have a normal, wood burning fireplace, keep the screens closed, but the glass doors open. The doors are usually designed to keep a room insulated when not in use, not to keep the fire in. A chimney requires air to be pulled through and up the chimney, so keeping the doors open allows this air to flow properly while your screen keeps debris and sparks from flying out onto your carpet or other flooring.
  • Install a chimney cap. Chimney caps keep rain from damaging your chimney and keeps birds and other critters out. You should also put a screen across the chimney to prevent sparks from flying out and onto roofs or lawns potentially causing a fire.
  • If you have burned 70-100 fires call a chimney sweep to come and inspect your chimney. They’ll clean out any build-up and do a visual inspection to ensure your chimney is healthy and structurally sound.

Gas Burning Fireplaces         

  • Install an oxygen-depletion sensor, commonly known as a “safety pilot.” These safety pilots will turn off the gas if they detect the fireplace isn’t functioning properly or if too much carbon monoxide builds up.
  • Install carbon monoxide detectors near the fireplace and every floor of your home. A couple per floor would be ideal.
  • Maintain proper distance from the fireplace. Keeping objects away from the fireplace is the best way to avoid a fire or smoke damage. Keep curtains and other fabrics at least 3 feet away from the outside edge of the fireplace.
  • Contact your gas company or call 911 immediately if you smell gas in your home.
  • Clamp your fireplace damper open to prevent carbon monoxide from entering your home.

With all fireplaces it is important to keep your children and pets away. Burning fireplaces in a home can deplete the home of oxygen and replace it with carbon monoxide. Keep your carbon monoxide alarms in working order to ensure your family stays safe.

Keeping your fireplaces in your home in good working order is just one of the important steps to keeping your home and house guests safe. It is also a great way to avoid a costly and emotional homeowner’s insurance claim.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Trucordia. They have locations throughout Washington State in Olympia, Centralia, Vancouver and Marysville. They have years of insurance experience and can help you insure everything from your home to your auto or business Insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

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How to Avoid Decor Disasters – Holiday Edition

There is no escaping it now, the holidays are upon us. No matter how you celebrate, you have likely added some holiday décor to your home. Lights, candles and festive plants add a wonderful, warm ambiance to areas of your home but take some extra steps to ensure that your décor pieces don’t wreak havoc on your holiday. Avoiding Decor Disasters in Washington: • Holiday trees: Holiday trees, or bushes, are a common theme in many homes around our state. They may be opulent or simple, real or fake, faux snowed or natural. Each holiday tree requires a level of care to make sure that it does not turn into a fire hazard. If your tree is real, do not forget to water it! Trees will naturally lose moisture over the course of their holiday run. Household pets may steal water from under the tree and running the heater or fireplace may dry it out as well. A dry holiday tree can become a fire hazard if left unattended. According to the National Fire Protection Association, “Between 2007-2011, U.S. fire departments responded to an average of 230 home fires that started with Christmas trees, per year.” If your tree is dry, make sure to water it regularly and turn off holiday lights. It is also a best practice to not place a holiday tree near a fireplace or heater. • Lights: Holiday lights are used inside and outside of homes to brighten up the night. When placing your lights, make sure to place the correct type for the environment you are in. Inside lights for inside your home, outdoor lights for outside of your home or indoor/outdoor lights for either. If your lights have lived in storage since the last holiday, make sure to check that they are in proper working order free of wire frays or cuts. Frays or cuts in the wires could result in a fire under the right conditions. • Plants: Holiday plants are all over the stores. Mistletoe and holly, wreathes and poinsettias are often incorporated into a holiday décor scheme. There is a caveat: mistletoe, holly and poinsettias are all poisonous to both pets and people. If you plan on making any of these plants apart of your holiday decorations, make sure that they are up and out of the way, free from little hands and pet nibbles. If a child or adult happens to ingest any of these plants, a call to Poison Control (800-222-1222) is a must. If it is your pet, call your vet or local emergency vet immediately. By taking a few extra steps like unplugging your holiday lights before you go to bed or when you leave the house, can help you avoid a decor disaster this holiday season. Before the holiday décor goes up, make sure to talk to your local, independent insurance agents in Olympia, WA about your homeowner’s insurance. Trucordia can assist you with any questions you may have, like “Does my homeowner’ insurance cover accidental fires?” Their expert agents can walk you through your policy and even add additional coverage like personal umbrella insurance should you want extra protection beyond your homeowner’s insurance. Be sure to check out their insurance website 24/7 for the other insurance products they sell and for more holiday tips visit the U.S. Consumer Product Safety Commission tip sheet.

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Fall Dangers: Be alert!

Fall is one of our favorite seasons! The leaves, the cooler, shorter days and of course, pumpkin spice everything. There are some seasonal dangers associated with fall that can be quite hazardous if one is not prepared. Knowing what these dangers are and how to anticipate them can mean the difference between a lovely, relaxing fall and having to file a potentially costly insurance claim.

Seasonal Fall Dangers in Washington:

  • The Road: A drive to see the fall colors can be relaxing and enjoyable for all. You should be aware of changing weather conditions. Fall brings rain, wind and fog. Standing water on the roadways can create a slick, ice-like surface making it difficult to control the vehicle or hydroplane. If you happen to be in an area where leaves are falling, the leaves have a similar ice-like effect on the car. Another potential danger while in the car is fog. Fog can seemingly roll in from nowhere and impede your ability to see road hazards like traffic, debris, etc. For all these dangers, the best course of action is attentive driving. Reduce your speed, increase your following distance and stay alert to changing conditions.
  • The Wind: The winds returns, sometimes with a vengeance, during the fall. The wind can blow cars around the road and debris into the road, so during an episode of high winds, be alert to debris that may be entering the roadways. Trees and tree branches can also be a hazard. Trees that are diseased or branches that are low-hanging can become dislodged and cause massive amounts of damage to homes, garages and cars. The best way to try and stave off falling trees and branches is to trim all low-hanging branches that reside over dwellings. If your neighbors have tree branches that sit over your dwellings, work with them to get the branches removed. Also, if you suspect your trees to be diseased, have them inspected and removed.
  • The Water: A gentle fall rain can be soothing, but let’s be honest the rain in the fall tends to be more torrential. Fast moving storms can overwhelm storm drains (that could already be blocked with leaves or other debris) and the oversaturated ground cannot absorb the water resulting in large amounts of standing water or a flash flood. Remember that a standard homeowner’s insurance policy does not cover outside water entering your home due to rain or flood. If you live in an area that is prone to flooding, having sandbags on hand in case of a storm could be the difference between just mopping off your front porch and filing a flood insurance claim.

With a little preparation, you may be able to avoid an unpleasant situation and a costly insurance claim. The insurance experts at Trucordia in Olympia, WA can assist you with setting up policies like auto insurance, home insurance and flood insurance. If you have questions about your current insurance policies or about the potential fall dangers in the Olympia area, give your Trucordia agent a call. You can also visit their insurance website 24/7!

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Protecting your family from hidden home dangers

The home is a safe haven that is often impenetrable from the troubles and dangers of the outside world. We don’t often think about the unseen risks that could be lurking in homes, although there are a few gases that can be potentially hazardous to your health. All three of these gases are colorless and two are odorless, so you may not be aware that you could be in danger.

Hidden home dangers in Washington:

  • Radon: Radon is a colorless, odorless radioactive gas that can seep into a home through cracks in the walls or foundation and through other gaps in the structure of the home. According to the Environmental Protection Agency radon “comes from the natural decay of uranium that is found in nearly all soils…and…nearly 1 out of every 15 homes in the U.S. is estimated to have elevated radon levels.” Radon can contribute to the development of lung cancer if one is exposed for long periods of time. Fortunately, testing for radon in the home is relatively easy and cheap. If it is found that you do have radon in your home, repairs can be done either by you or a contractor. Check out the EPA’s Consumer’s Guide to Radon Reduction for more information about radon testing and repair. It is important to note that if you do find radon in your home and you plan on selling it, you will need to disclose this information to the buyers and may be asked to take care of the issue prior to the close of the sale.
  • Carbon Monoxide: We have all heard about the dangers of carbon monoxide in the garage, but it can get into your house through various sources. Carbon monoxide is a colorless, odorless gas that can make you feel dizzy, nauseated and sleepy. If exposed for too long, CO can cause suffocation. Sources that can leak CO include gas space heaters, chimneys, furnaces and gas generators. Most new homes and apartments have CO detectors installed, however if your home does not have one, they are relatively inexpensive. To help keep CO levels in your home down, make sure that all gas appliances are in proper working order. Ensure your chimney flues are open and the chimney is clear when lighting a fire and never use a generator in an enclosed space. If you suspect that you have a CO leak or CO poisoning call 911.
  • Natural Gas: You know the smell of natural gas, while colorless, smells like rotten eggs. Natural gas leaks can occur when pilot lights for stoves or furnaces go out. The can also occur when there is a leak or puncture in the line. Natural gas is a highly combustible material, so if you suspect a leak, you’ll want to leave your home and call the gas company. They will send out a technician to shut off the gas and determine the problem.

While these gas intrusions do not happen often and can be remedied quite quickly, being prepared with carbon monoxide monitors and testing for radon can help stave off a potentially hazardous situation before it starts. Ask the local insurance experts at Trucordia in Olympia, WA about any discounts for which you may be eligible. They can assist you with discounts, amending an existing policy or setting up a new policy. Visit their insurance website 24/7 to learn more about home insurance or the other insurance products they offer like auto insurance or flood insurance.

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“What does my condo insurance policy cover?”

Congratulations, you’ve purchased a condo!! Home ownership with little or no yard work. You can remodel your kitchen, paint the walls and enjoy your new space. During the purchasing process your agent probably told you that the homeowner’s association insures the building, the walls and the physical structure of your unit. What that insurance does not cover is the personal contents of your unit or any remodeled or upgraded areas within the unit.

Condo Insurance 101 in Washington:

  • Why do you need it: While your walls and building are covered in the event of destruction, your belongings and any upgrades are not. You are responsible for the physical contents, additions and upgrades in your unit. Condo insurance also provides liability coverage should a negligent act by you (fire, water damage, glass breakage, etc.) affect units other than your own. Say you left the bathtub running and it overflowed causing damage to the unit below. Your condo insurance would cover the damage to the unit below you as well as repair the damage to your unit, after a deductible. Pro tip: never leave your bathtub running unattended.
  • What may be covered: Like a renter’s insurance policy, your belongings are covered up to a certain dollar amount. Like a homeowner’s insurance policy you can add scheduled property like art, jewelry and other collectibles. A condo insurance policy also includes a negligence and liability portion in the event that you damage a unit other than your own, the common areas or if someone is injured in your unit. A condo insurance policy may also include reimbursements for living expenses if your condo is unlivable and needs to be repaired.

Having the proper amount of condo insurance coverage may help protect you from having to pay out of pocket for liability claims or damage to your unit. There are several options when it comes to the condo insurance you feel is appropriate for your needs and budget. Have questions? Talk to your local, independent insurance agents at Trucordia. Trucordia in Olympia, Washington can guide you through a condo insurance policy and add additional coverages like flood insurance or earthquake insurance. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website 24/7 to learn more about the insurance products they offer.

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Homeowner’s Insurance – Don’t let thieves steal your holiday

As the countdown to the holidays and NYE approaches, undoubtedly you’ve got some new gadgets, toys or jewelry around the house. Thieves know this. While you are off enjoying a holiday gathering, vacation or party, thieves could be helping themselves to your things. Taking a few extra precautions may help save you and your family the stress and anxiety of having to sort through your home for missing items and filing a homeowner’s insurance claim in Olympia, WA.

  • Be alarmed: An alarm system is a great way to deter criminals (as long as you remember to arm it) and to potentially get a discount on your homeowner’s insurance. If you do not want the added expense of installing and maintaining an alarm system, get “Protected by XYZ Alarm Company” sign for your front  yard. A little deceptive advertising could go a long way to keeping thieves away from your home.
  • Meet the neighbors: Get to know the people on your block; be friendly. Neighbors can see things that you might miss such as an open gate or garage door. Friendly neighbors can also look out for one another on nights out or when you’re out of town.
  • Keep it clear and lit: Keeping landscaping and shrubbery trimmed and low around potential points of entry like windows or side doors could help reduce the likelihood of an intruder trying to enter your home. Installing motion lights and leaving a television or radio on when you are away from home gives the illusion that someone is in the house can be a deterrent for thieves.
  • Stash the valuables: Just not in the bedroom! The bedroom is one of the first places that thieves will look for jewelry and other valuables. Having a built-in safe or a false tile in the bathroom floor to store your valuables may make it harder for thieves to make off with your goods.
  • Know your stuff: Keeping an inventory log of items that have a potentially high risk of being stolen can help you later in the claims process. Having readily available photos, serial numbers and receipts or appraisals can help your insurance agent determine a payout should these items go missing. Having a written record can also help the police search for your missing items at pawn shops or on Craigslist.
  • Specialty Insurance: While your homeowner’s insurance may cover a portion of the cost to replace stolen items, it will not cover everything. Adding a separate valuables policy may help you recoup more of your dollar loss. Valuables such as jewelry, art and electronics can be added to a separate valuables policy.

We know that keeping your home safe from thieves is a top priority for you, just like making sure your home is properly insured is a top priority for your local independent insurance agent. Trucordia in Olympia, Washington can guide you through your homeowner’s insurance policy and add additional coverages like a separate valuables policy or personal umbrella policy. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website 24/7.

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Earthquake Insurance Olympia, WA – A Solid Foundation

Unlike some natural disasters, earthquakes are extremely difficult to predict. There are several regions in the U.S. that are at higher risk than others for having the “big one” and we just happen to live in one of them. Depending on the depth, intensity and duration, an earthquake can do significant damage to a home or condo.

This type of damage is not typically covered on a basic homeowner’s or condo insurance policy and only about 10 percent of homeowners purchase earthquake coverage. In this instance an earthquake insurance policy in Olympia, WA may be a smart move.

Earthquakes and Washington:

  • Quaking ground: Earthquakes can be brought on by many factors. The movement of a tectonic plate in a subduction zone, the slipping of rock on a strike-slip fault line, a volcanic eruption or it can be triggered by an external factor, like drilling or mining. Generally the deeper the location of the earth’s movement, the stronger the earthquake, however, the shallower it is makes it more destructive. Earthquakes that occur along coast lines can be even more destructive as an earthquake can trigger a tsunami. Here in Olympia, Washington, we are close to the Cascadia Subduction Zone. The CSZ is lengthy fault that runs from Vancouver Island in Canada all the way into Northern California, separating the Juan de Fuca plate from the North American plate. This particular fault has produced some damaging earthquakes, most recently in February 2001 when the Nisqually earthquake shook the Puget Sound region, had a recorded magnitude of 6.8 and caused about $2 billion in damages.
  • Dwelling damage: Damage from an earthquake can range from a few easily repairable cracks in the drywall of a home, to a complete failure of the structural integrity of a home. A homeowner may need to higher inspectors, structural engineers, a contractor and the list goes on. Not to mention that a family whose home was damaged in an earthquake will need a safe place to stay until the home is repaired. If the family does not have an earthquake insurance policy, they may be responsible for paying all repair costs out of pocket. These costs can often be thousands of dollars.
  • Earthquake Insurance: An earthquake insurance policy helps cover damages and additional living expenses up to a certain dollar amount. The policy cost and the amount of the deductible may vary depending on a number of factors including, but not limited to: Age of the home, distance from a fault line, location of the home (hillside, soil type, etc.) and the type of policy either Standard or Comprehensive. The monthly cost for an earthquake insurance policy can range from a few hundred dollars a year to a few thousand dollars a year depending on your location. If you or the previous owners retrofitted the home for an earthquake by securing the home to the foundation with seismic bolts or reinforcing walls or chimneys, you may be entitled to a lower earthquake insurance policy cost.

Before purchasing a home or condo, it’s important to remember to talk to your licensed insurance agent in Olympia, WA to see if you might need an earthquake insurance policy. The experts Trucordia in Olympia, Washington have years of insurance experience that can save you a bundle. Plus they live right in your area, so know first-hand if you may need additional insurance such as flood insurance.  You can also visit their insurance website 24/7 to learn more about the other insurance products Trucordia offers.

 

 

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Don’t Get Burned: Wildfire Insurance and a Comprehensive Homeowner’s Insurance Policy

The heat of the summer is celebrated with sunglasses, board shorts and boating, and while it can be quite warm, the summer season is just downright pleasant in Olympia, Washington. But the summer heat does come at a cost. Summer is also fire season and each year millions of acres across the country are burned. It is not just forests or brush plains that are destroyed, homes and businesses that get in the fire’s path are consumed as well. According to the National Interagency Fire Center, wildfires burned more than 9.3 million acres around the country in 2012. The 2013 fire season has started off with destructive blazes in California, Colorado, Alaska and Arizona.

While many natural disasters like floods or earthquakes require a special insurance policy, Wildfire Insurance is generally covered under the comprehensive portion of a homeowner’s insurance policy. The price of the policy may be higher if you live in an area that is prone to yearly fires. Wildfires are both friend and foe, as they are needed to clear out overgrowth and dead trees. A charred forest allows for new growth trees and helps reduce the risk of another fire occurring in the exact same area during the summer months.

Washington wildfire facts:

  • The spark: Most wildfires start from lightning strikes. The dry foliage and hot winds provide the perfect setting for a fire to ignite. Wildfires can also start from simple mistakes like forgetting to completely douse a campfire or a spark from the backfire of a motorcycle or RV. Even if it is an accident, a person who is found negligent in starting a wildfire may be liable to pay restitution, which can be millions of dollars. Having a personal umbrella policy may help you pay some of those restitution costs.
  • Fighting fire with fire: Through a multi-tiered effort of local and federal agencies, firefighters try to starve a wildfire by creating a perimeter. Firefighters burn the wildfire’s food source, dry vegetation, it hopes that the wildfire will become more manageable, easier to put out with air drops of water. There is a risk however, burning a perimeter may result in another uncontrolled fire if the conditions are just right. But the same principle that firefighters use to try and control the growth of a wildfire could help prevent a significant wildfire insurance claim.
  • Prevention starts at home: Helping protect your home from wildfire damage starts in your yard. If you live in an area that is prone to wildfires, you will want to create a perimeter around your home that is free of debris and flammable materials. Keeping things like sheds and wood piles at least 30 feet away from your home helps reduce the chances of a fire jumping from one structure to the next. Remove a wildfires fuel source by pruning trees and removing dead or dying plants. There are also several websites that can show you how to fire proof your yard like Readyforwildfire.org and U.S. Fire Administration.

Take the time to learn about wildfire danger in your area and to prep your home against the threat of wildfires. Talk to your licensed insurance agent in Olympia, WA to ensure that wildfire insurance is included in the comprehensive section for your homeowner’s insurance policy. Trucordia in Olympia, Washington can guide you through your homeowner’s insurance policy and add additional coverages like flood insurance and earthquake insurance. Their years of insurance experience can save you a bundle, and they live right in your area, so know first-hand what your insurance needs might be.  You can also visit their insurance website 24/7 to learn more information.

 

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Personal Umbrella Insurance Olympia, WA – When Parties don’t go as Planned

Fall is a great time to throw parties. Football games, birthdays, Halloween celebrations or just for no reason at all, the summer is when it happens. From the cleaning, the shopping and the food preparation, a lot of thought gets put into the needs and comfort of your guests. While there are many things that may cross your mind in regards to your party, it may not occur that if the party does not go according to plan and someone is injured or gets sick that the hosts of the party could be held liable.

In the event that someone gets injured at a gathering you throw at your home, your homeowner’s insurance policy in Olympia, Washington may cover the injured parties medical bills or damages to a certain dollar amount. Having an extra bit of protection like a personal umbrella insurance policy in Olympia, WA may help in these situations, as it can also help with a legal defense if you are sued for an injury or death that occurs on your property or when your guest leaves (too much alcohol).

Personal Umbrella insurance in Washington: 

  • Unforeseen events: Most parties go off without a hitch, no problems, and no injuries. Every so often something goes awry. It can be as simple as a sprained ankle from slipping off the porch steps to food poisoning from improperly refrigerated potato salad to a DUI or alcohol poisoning. If the party where the injury took place occurred at your home and you are deemed negligent, you may be responsible for paying damages to those injured parties and a personal umbrella insurance policy in Olympia, WA may help you minimize the out-of-pocket costs to you.
  • Intoxication: Depending on the laws in your city/state, a person who consumed alcohol at your party and injures someone else as a result of a DUI crash could hold you liable to pay the victim damages. There are a few ways to mitigate your liability: hiring a third-party to tend bar, like a catering company. These companies are responsible for having their own insurance and it is a lot easier for them to stop serving alcohol to an intoxicated person; they know all the signs to look for. If you are not able to hire an outside party to handle the liquor at your party, stick with only a few options for adult beverages like wine and beer. Having multiple types of liquor may increase the risk of someone having too much to drink.
  • A little prep: Before you have your party, take the time to make sure that your yard (or party area) is free of uneven patches of ground, mounds and holes. Make sure that entryways are clear of tripping hazards and that low hanging lights are high enough that tall heads won’t get tangled up. Taking a few extra steps may help ensure that your party is safe and fun.

If you plan on taking advantage of the summer weather by throwing a party, make sure you have all the protection you need. If you have any questions about what a personal umbrella insurance policy may cover or what your homeowner’s insurance policy covers in terms of fire, property damage or personal injury liability, your licensed insurance agent in Olympia, WA can assist you.  The local, independent agents at Trucordia can assist you with examining an existing policy or setting you up with a new policy. Their years of insurance experience can save you a bundle. You can also visit their insurance website 24/7 to learn more about personal umbrella or the other insurance products they offer like auto insurance.

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