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Do I Need a Personal Umbrella Policy?

  • Do I own and/or operate a vehicle, watercraft, motorcycle, motor home, recreational vehicle?
  • Do I own or rent a home or condominium, rental properties, vacation homes, or vacant land?
  • Do I have any pets?
  • Do I have a swimming pool?
  • Do I operate any insured businesses out of my home?

A personal umbrella policy is additional liability insurance, above and beyond underlying policies you maintain, that protects your financial assets by complimenting and extending the coverage that is afforded under your personal auto, homeowners and other primary policies. 

Today, nearly everyone should consider personal umbrella coverage.  A personal umbrella policy can provide additional liability coverage when unforeseen circumstances arise due to accidents, negligence and lawsuits. Umbrella policy limits range from $1,000,000 and can go as high as $10,000,000, depending on the carrier. 

Today, ever increasing medical costs and unforeseen lawsuits are driving settlements into the thousands and sometimes millions of dollars. These amounts can easily exceed your primary liability limits afforded under your automobile, homeowner, rental, motorcycle, watercraft and other policies, and if found liable or negligent, the difference could come directly out of your pocket in a court settlement or law suit. 

Discuss with an insurance agent for further details and suggestions to properly cover you and your family in situations that could arise.  An umbrella policy is a cost effective method to protect your assets and future earnings while providing you with peace of mind.

Only Flood Insurance Covers Floods

Did you know that your home has a greater chance of being damaged by a flood than a fire? It’s true, according to FloodSmart.gov.

Unfortunately, your homeowners insurance policy won’t cover the damage to your home or property; only flood insurance will cover the losses.

Find out more: Flood Insurance from Erie Insurance

Winter Weather Driving Tips

Winter road conditions present unique challenges to driver capabilities and vehicle performance. According to data from the National Highway Traffic Safety Administration (NHTSA), 15 percent of weather-related crashes occur in snow or sleet, and another 13 percent on icy pavement.

Here are just a few safety and preparation tips to keep in mind during winter months.

  • Inspect  Brakes and tires.
  • Inspect battery.
  • Add lubricant to door locks to prevent freezing.
  • Replace windshield wipers and de-icing washer fluid if necessary
  • Add antifreeze.
  • Wear a seat belt and make sure all passengers have their seat belts fastened.
  • Ice forms first on bridges, overpasses and shaded areas. Do not slam on the brakes when driving over ice. Decelerate slowly, holding the car steady.
  • Adjust the speed to fit the weather conditions and remain a safe distance behind other cars.
  • If the car begins to skid, remove the foot from the gas pedal, but don’t hit the brake. Steer gently in the direction the front of the car should go. As the car straightens out, traction and control will return.
  • Keep blankets, a first-aid kit, flares, jumper cables, tire chains, a flashlight, ice scraper and golves in the car. Take a food supply of candy bars or dried fruit.
  • Keep the gasoline level as high as possible to prevent water condensation in the tank.

Visit www.nhtsa.gov for more road safety information.

Featured Articles

Recent Articles

31
Jan

Clark Insurance is Now on Facebook!

Don’t forget to visit & like our new Facebook page. You may click on the link to the page on our web site home page. Please feel free to post any comments and join or create any discussions!

31
Jan

VIN Number Theft Warning

 

VIN NUMBER THEFT WARNING
There have been reports of car thieves peering through the windshields of vehicles and stealing the VIN Numbers from the dashboard VIN plate. They then go to a local car dealership and request a duplicate key based on the VIN number. Apparently, this number is all that is needed for proof of ownership to purchase/obtain a duplicate key. The theives also may create new vehi…cle titles with the VIN information, making it for an easy sell.

Due to the obvious complexity, time and effort it would take for all of these steps, it is more likely that these thefts would occur from a used car lot or theft of a high-value vehicle that the thief has been “casing” and is parked at the same location consistently. Even still, the Clark Insurance agency wants to keep you informed.

To avoid this from possibly happening to you, simply put some dark tape or a piece of paper over the VIN number, hiding it from view. By law, one may not remove the actual metal VIN label from any vehicle.

30
Dec

Start Your New Year by Tackling Some Home Maintenance Projects

Replace batteries in smoke & carbon monoxide detectors as well as test all units. If you don’t have a carbon monoxide detector, get one. Also, inspect and service your water heaters and furnaces for safety and efficiency.
This is also a great time to make your Spring Maintenance List to inspect gutters, drainspouts, chimneys etc. when weather permits this type of maintenance.

10
Jan

Images from our 75-year Customer Appreciation Open House

27
Sep

Marilyn Clark Receives 2010 Athena Award

Marilyn Clark, 2010 Athena Award Recipient (3rd from left, front row) is joined by previous award recipients and committee members.

Each year the Athena Award Committee celebrates Lancaster area women who have displayed professional excellence, actively engaged in community services and provided help and support for other women. This year’s Athena Award winner was Marilyn Clark, of Clark Insurance. The recipient of the award is not announced until the awards banquet and came as a surprise to Marilyn and her family.

Marilyn recognized the support of her three sons, Chip, Brad and Chris, who join Marilyn in the family business. After receiving a well-earned standing ovation, Marilyn spoke about her career and family.

“I would not be here without my three sons. This is truly an honor that I’ll appreciate the rest of my life,” said Marilyn.

Learn more about the Athena Awards and the 2010 Award Presentation from the Lancaster Eagle Gazette.

23
Sep

Serving You for 75 Years!

Thanks to all our wonderful clients, we have proudly served our community for 75 years. During that time we experienced many changes, and this year has been no exception.

You’ve probably notice our new name and a new look. Most of you have called us “Clark’s” for years, so we’re really taking your lead with our name. Short and to the point…Clark Insurance.

You’ve already seen our new website and we hope you visit it often. We plan to add to this News & Events section often, sharing news from our community, the insurance industry and local special events.

We value each of our clients, our relationships with you are the reason we remain a leading independent insurance company. Let us know how we can help you and your family.

23
Sep

Companies Provide Great Service

At Clark Insurance we work very hard to be sure that all the insurance companies we represent offer competitive rates, quality coverage and great customer service.

A recent J.D. Power survey measured policyholders’ satisfaction in five areas: interaction, policy offerings, billing and payment, auto insurance rates and claims. The results were calculated from more than 25,000 responses. Policyholders were contacted in February and March.

Among the companies we represent Erie Insurance Group and Auto-Owners Insurance Group rank #2 and #3 respectively.

For us, it is all about service. That’s been the cornerstone of our business for 75 years, and will be for the next 75!