Personal umbrella insurance is an additional layer of liability coverage that goes beyond the limits of your standard home or auto insurance policy. It provides extra protection if you are sued for damages exceeding the limits of your primary insurance policies. Here's why you should consider adding a personal umbrella policy to your insurance portfolio: Protection Against Liability Risks Spring brings blooming flowers and unpredictable weather, including heavy rain and thunderstorms. These weather events increase the risk of accidents and liability claims. Personal umbrella insurance can pro ..read more

Who hasn’t been zipping along when all of a sudden traffic slows to a halt? When it does, you can bet on one of two things: There was an accident or there’s construction. What To Do in a Work Zone Road work is often the culprit in the warmer months. You probably already know that it’s important to stay at or below the posted limits when you’re in a work zone, not to mention, many states will ticket you for speeding in a construction zone. Yet there are a few other tips worth keeping in mind in order to keep you, your car and workers safe when you’re driving through a work zone. Check ahead f ..read more

Picture this: You’re sitting down with your parents reviewing their will and other important documents, and you realize they don’t have life insurance.1 For some, this might not be hard to imagine – you may have experienced it already. Life insurance is important for everyone, not just those with families or businesses. That’s because life insurance is for the living and can help protect and provide for your loved ones after you’re gone. Now picture this: Your parents ask you to get them a life insurance policy. You might be wondering; can I do that? Before you go any further, however, h ..read more

Erie Insurance is there for your car when it comes to auto insurance, but what about everything else? Your car can take you near and far, but only if you take care of it in return. April is National Car Care Month and it’s your opportunity to show your ride the love that it deserves. Lucky for you, ERIE has tons of helpful posts right here on the blog to help you show your car a little TLC this month: How to Help Your Car Recover from Winter: Winter is tough on cars. Now is a perfect time to begin the recovery process. What You Need to Know About High Mileage Cars: For owners of vehicle ..read more

Financial literacy is the foundation of sound financial management; for small business owners, it's essential for success. With April being Financial Literacy Month, there's no better time to learn more about the fundamentals of financial literacy that every small business owner should know. Budgeting Basics for Small Businesses Budgeting is crucial for small businesses to manage finances and achieve their profit goals effectively. To effectively budget for your small business, consider the following: Track Your Expenses: Keep meticulous records of all business expenses, including rent, util ..read more

Are you considering a home remodel? Whether you're updating your kitchen, adding an extra room, or renovating your entire house, it's essential to consider how these changes can impact your insurance coverage. As April marks National Rebuilding Month, it's the perfect time for a few insurance tips for planning your next project. Understanding Personal Insurance and Home Remodels When it comes to home renovations, it's crucial to understand how your personal insurance coverage can be affected. Consider the following key points: Homeowner's Insurance Coverage: Review your homeowner's insurance ..read more

There are a lot of myths and misconceptions out there about life insurance, and you’ve probably heard most of them. We’ve put together a quick quiz to test your knowledge and help you better understand this important financial product. Give it a shot, and see if you’ve got the straight scoop on life insurance. Let's get started! How Well Do You Know Life Insurance? Question 1: What is the primary purpose of life insurance? A. To provide a tax-free death benefit B. To cover funeral expenses C. To help secure your financial future D. All of the above Answer: D. Life insurance is a great way to ..read more

Here’s an obvious statement: day-to-day living costs add up fast. That’s why life insurance is so important. It allows you to protect your loved ones when you’re gone. Think of the impact of losing not only your income but all the other contributions you make to the family. Could they cover the mortgage or monthly bills without you? Do you have enough saved to pay for funeral expenses? What about all the added costs of childcare and raising a family? The idea of life insurance is to make sure your family can continue with the lifestyle they have, should you pass away unexpectedly and can no ..read more

If you own a business, you understand the importance of safeguarding your assets. While this kind of protection addresses both liability and the personal safety and health of your staff, it also includes the substantial investment you’ve made in the commercial property that allows your business to flourish. With inflation as a priority concern, business owners who are keen to fully protect their commercial property investments are increasingly turning to Guaranteed Replacement Cost (GRC) coverage to make sure their insurance coverage keeps pace with an evolving business landscape. What i ..read more

Everyone loves a home with real character built right in, and they just aren’t built like they used to be. Older homes come with many unique quirks and designs that are not seen in modern buildings, making them appealing to many homebuyers. However, before diving into a beautiful older home purchase, many are left wondering, how do I insure it and what’s the difference from a newer home? So Why the Fuss? When it comes down to it, insuring older homes is considered more expensive. Insurance policies on older homes will vary from company to company, of course, as many factors are considered, in ..read more