Need some fun, new ideas to keep the kids busy this summer? Here is over 100 free or cheap ideas for fun summer activities that the whole family will enjoy! You can also use the printable version of the list and hang in up on your fridge. That way the fun is always at your finger tips and no one has an excuse to be bored this summer!
Umbrella Insurance & Liability Coverage
Planning just a couple backyard BBQs this summer? Or maybe you’re the neighborhood event planner? Either way, it’s best to make sure both you and your assets have protection. Umbrella insurance provides an additional layer of liability coverage on top of your underlying Homeowners or Auto policies. These policies help pay medical expenses, damages, and lost wages if a person sustains an injury on your property or by someone in your home. Umbrella policies often comes into play when underlying Home and Auto policies do not have enough liability coverage. This extra coverage can range from $1 million to $10 million, and it’s more affordable than you think!
However, Umbrella insurance isn’t necessary for everyone. Your decision to purchase Umbrella coverage can depend on many factors, such as what assets you have to protect and your budget. However, it’s also important to consider all the risks that you are open to. For example, those with a teen driver living at home who is also on their parents Auto insurance, a simple case of distracted driving could result in a very large lawsuit that exceeds your auto policy limits. Some liability issues are things most of us never think about, such as libel or slander. Even a simple slip and fall of a friend while at your home can lead to a major lawsuit. Additionally, for those who own multi-family residences or vacation rentals there is even more exposure. All of these situations can lead to liability damages that far exceed the limits of your existing insurance policies. Consider an Umbrella insurance policy to make sure all your fun summer activities have coverage!