Why Should I Purchase an Umbrella Liability Policy?
If you are ever sued, your standard homeowners or auto policy will
provide you with some liability coverage, paying for judgements against you
and your attorney’s fees, up to a limit set in the policy. However, in our
litigious society, you may want to have an extra layer of liability
protection.
An umbrella policy kicks in when you reach the limit on the underlying
liability coverage in a homeowners, renters, condo or auto policy. It will
also cover you for things such as libel and slander. For about $150 to $300
per year you can buy a $1 million personal umbrella liability policy. The
next million will cost about $75, and $50 for every million after that.
Because the personal umbrella policy goes into effect after the underlying
coverage is exhausted, there are certain limits that usually must be met in
order to purchase this coverage. Call us to learn more about this extra
layer of protection.
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Dog Bite Liability
According to the Centers for Disease Control and Prevention, there are
approximately 4.7 million dog bites per year. Homeowners and renters
insurance policies typically cover dog bite liability. The following tips
can help reduce the chances of your dog biting someone:
• Have your dog spayed or neutered.
• Socialize your dog.
• Play non-aggressive games with your dog.
• Avoid exposing your dog to situations in which you
are unsure what the dog’s response will be.
Insurers may charge more for certain breeds of dogs. The following purebreds
were responsible for the greatest number of dog bite-related fatalities over
the 20 year period from 1979 to 1998, according to the Centers for Disease
Control and Prevention.
The breeds are listed in declining order of fatalities:
Pit Bull, Rottweiler, German Shepherd, Husky, Malamute, Doberman Pinscher,
Chow Chow, Great Dane, Saint Bernard.
Meet the newest members of Brownell Insurance Center, Inc.
We are happy and proud to announce that our son, Matthew A. Brownell, has joined the family agency. He is an alumnus of Pinkerton Academy and graduated from Southern New Hampshire University last May with a degree in finance.
We look forward to having Matt here as a valued member of our team for years to come.
Born and raised in Derry, New Hampshire, Jon attended Bryant University in Smithfield, Rhode Island, where he received his degree in Marketing and Management. Jon is also a graduate of Pinkerton Academy.
As a Producer for Brownell Insurance Center Inc., Jon is qualified to provide you with current life, health and retirement information and rates. Jon has taken on the responsibility to meet with individuals and small business owners to insure that you are getting the best rates possible. Jon will also take the time to answer your questions, for service to our clients is our number one priority.
