Who should consider a personal umbrella policy?Does my auto policy cover my recreation vehicle?What is a deductible?How do I insure my mobile home?How do I insure my condominium?
Anyone with substantial assets Anyone with high income, either now or anticipated in the future Public office holders (Selectman, Mayor, City Councilor, State Rep…) People with a "high" profile in the community People with a visible occupation (attorneys, doctors, accountants…) People with a high position at their place of work (President, CEO, CFO…) Normal family…Read more
No, all recreation vehicles require special insurance policies to adequately protect you. Only in rare circumstances is any coverage extended from your home or auto for a recreational vehicle.Read more
A deductible is the portion of your health care that you pay before insurance starts to cover the expense. Usually, the higher the deductible, the lower the premiums. You can have more than one deductible on your policy ~ for example, one for a hospital stay and one for prescriptions.Read more
If you own a mobile home, it may need to be on a special policy as well, depending upon the age of the home and it's installation. A call to one of the professionals at Clark-Mortenson allows you to review your specific situation and assure you are properly covered.Read more
Owning a condominium or a mobile home puts you in a unique position. If you own a condo, your condominium association probably has an insurance policy for the common areas, but you are still responsible for insuring your own interests such as your personal property and liability. Sometimes you are responsible from the studs in ~…Read more