Todd Ma - Farmers Insurance Agent

The answer is burglary! Across the U.S., a home burglary happens around every 25–30 seconds, while a house fire occurs about every 85–90 seconds.

There are steps you can take to protect your home, like installing a security system and making sure your smoke detectors are working. But if a burglary or fire were to happen, would your home be covered by insurance? Give us a call, and let’s review your policy.

Looking to review your policy or compare other options? We’re ready to help.

We’ll review your current coverage, identify any needed updates, and explore other policy options that may be a better fit for you.

Umbrella insurance provides extra protection on top of your existing home, auto, or other personal insurance policies. It helps cover large claims or lawsuits that exceed the limits of your standard coverage.

You might consider umbrella insurance if you have significant assets to protect, high-risk exposures, or want added peace of mind. This could include homeowners, those with teen drivers, landlords, and business owners.

Umbrella insurance is designed to step in when standard policies aren’t enough. If you have any questions at all, give us a call!

The answer is dwelling coverage. This part of your homeowners insurance protects the physical structure of your home, including the walls, roof, and foundation. It does not cover the items inside your home. Those are protected under personal property insurance.

If you are not sure what your policy includes, reach out to us today. We can help you review your policy and make sure you have the coverage you need.

With Thanksgiving just a week away, it’s the perfect time to reflect on how much we have to be grateful for. Make sure the things you’re thankful for are protected with the right insurance.

Message us today to review your coverage.