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4 Reasons You Need Umbrella Insurance

When you have the right insurance, you know you’re more fully protected from some of the problems that could come your way in life. If you’re looking for umbrella insurance, Land Home Insurance Services can help you find the right policy for your needs.

Here are four ways this type of insurance can keep you covered:

1. Protect Your Family

Keeping your family safe is important, and when you want to protect your family as fully as possible, you need a policy that will cover even big claims that exceed the limits of your other insurance policies. That will help avoid big changes to your family’s quality of life.

2. Reduce the Risk of Loss

You don’t want to lose what you’ve worked so hard to build and create in life. An umbrella policy will reduce your loss risk because it steps in after the limits of other policies have been reached. This can stop you from losing assets to cover a claim.

3. Experience Peace of Mind

More peace of mind matters, and it can sometimes be hard to get in life. With good umbrella coverage, though, you’ll have increased security and feel more confident in your coverage, so you can worry less.

4. Adapt to Changing Situations

When your situation changes, you can adjust your policy to increase or decrease coverage so you’re staying protected throughout different phases of your life. That gives you options to stay on top of any concerns you have.

Consult With Us

Looking to find a great umbrella insurance policy? Reach out to us at Land Home Insurance Services today. Our trusted and dedicated agents can help you choose the policy that fits your current needs, so you can put worry behind you.

Flood Insurance: Essential Protection for Your Home

If you think flood insurance is not for you because you don’t live in a flood zone, think again. According to FEMA, approximately one-quarter of flood claims come from homeowners who live in low or moderate-risk flood areas. Location alone is no guarantee that your home is safe from flooding. That’s why flood insurance from Land Home Insurance Services is essential protection for your home.

Flood Facts You Should Know

No home is totally safe from the risk of flooding.

Even an inch or two of flood water can be detrimental to a home. Imagine the damage a major flood event can cause.

Homeowner’s and renter’s insurance protects you from water damage caused by broken pipes or other plumbing problems, not floodwaters that originate from outside your home.

For protection against rising river waters, water surges, melting snows, or excess rainfall from hurricanes or tropical storms, you need flood insurance.

Without flood insurance, you run the risk of paying for flood damage out of your savings or retirement funds or taking out costly loans to rebuild your home.

Flood insurance can make all the difference in the world between recovering from a flood disaster and suffering financial ruin.

Protection Offered by Flood Insurance 

A flood insurance policy from Land Home Insurance Services can protect both your home and your belongings. Coverage for your home includes its foundation, walls, plumbing and electrical systems, furnace, water heater, and more. Contents coverage includes clothing, furniture, appliances, electronics, and anything else in your home. Flood policies offer up to $250,000 worth of protection for your home and $100,000 for your belongings. As it takes 30 days for flood coverage to go into effect, we recommend you not delay in protecting your property.   

To learn more about flood coverage options and costs, contact Land Home Insurance Services today.

Unlock The Secrets of Auto Insurance: Tips and Tricks Revealed

Do you find yourself scratching your head when it comes to trying to choose the best auto insurance policy? The professionals at Land Home Insurance Services can help you unravel the mystery of auto insurance and choose the best policy for you and your family. 

Auto Insurance: Tips and Tricks

Know Your Coverage Options

Many drivers aren’t aware of the fact that your driving history can severely impact your auto insurance coverage options. For example, a driver with no accidents, tickets, or lapses in insurance coverage will likely have more coverage options than a driver with several accidents, moving violations, and frequent lapses in insurance. 

Bundling Your Insurance Policy Can Save You Money

Did you know that many insurance companies offer special "bundled" rates for customers who have multiple types of insurance? Options for bundled coverage often include other insurance types such as life insurance, renters insurance, home insurance, commercial insurance, or umbrella insurance. 

Talk to an auto insurance expert at Land Home Insurance Services to learn about bundling your insurance policies to save time and money. 

Choose Your Deductible Wisely

Most auto insurance policies offer different levels of insurance coverage based on the deductible you choose. Drivers who have infrequent accidents and other drivers may want to consider choosing a higher deductible to get a better rate. 

Auto Insurance Near Me 

When you’re ready to take the next step and get auto insurance, talk to the knowledgeable insurance team at Land Home Insurance Services. Our licensed insurance agents can answer your questions about choosing the best auto insurance policy, bundling your auto insurance with home insurance or other insurance, and provide you with a free quote.

Contact the experts at Land Home Insurance Services and get a free quote today! 

Tips for taking your motorhome to a national park

If you’re planning on taking your motorhome to a national park, there are some essential tips and tricks that will make the experience much more enjoyable. Here are some tips at Land Home Insurance Services for taking your motorhome on the road. 

Top Five Tips

1. Plan ahead

Research the park you plan to visit so you know what facilities they offer and what activities are available. Also be sure to check the rules regarding camping in advance, as different parks may have different restrictions or requirements for motorhomes. 

2. Know your limits

Don’t overload your motorhome with too many people or too many supplies. Make sure everyone is comfortable and that you aren’t pushing the weight limit of your vehicle by packing too much stuff. 

3. Stay safe

Safety should be priority number one when driving a motorhome in a national park. Be aware of your surroundings and obey all speed limits and other regulations while driving through the park. 

4. Prepare for any weather  

Weather can change quickly in some national parks, so it’s important to prepare for any kind of conditions that might come up during your journey. Stock up on warm clothes, sunscreen, umbrellas, rain gear, etc., so you’ll be ready no matter what Mother Nature throws at you! 

5. Have fun!

Last but not least, don’t forget to have fun! National parks offer endless opportunities for adventure and exploration; take time to appreciate all that nature has to offer while camping in a motorhome! 

Get Insurance For Your Motorhome

For more tips, give us at Land Home Insurance Services a call today. We would be happy to provide more or to help you find a policy to cover your motorhome and keep it protected.

The Importance of Renters Insurance

The agents at Land Home Insurance Services want you to understand the importance of having renter’s insurance in place. If you are a tenant and think that your landlord’s property insurance policy will cover your personal belongings if they are damaged or destroyed, you need to think again. A landlord’s property insurance policy will not cover your things since it is designed to only cover the structure you live in.

The Importance of Renters Insurance

It is imperative that all tenants have a renters insurance policy in place. This is due to the fact that the property owner who owns the house, apartment, mobile home, or other structure that you live in is not responsible for covering the contents of your home. This means if a fire breaks out, for example, and all of your clothing, household items, appliances, furniture, and more are damaged or destroyed, you will simply be left with nothing. This is the reason that renters insurance is so very important. It could not only help you replace any items that are lost due to a fire, a natural disaster, or an act of vandalism, but it can also help you have a place to stay until you can move back to your original home or find a new one.

A renters insurance policy will also assist you if someone is injured while visiting you or if a burglary occurs at your residence.

Contact Us Today

It is so important to be safe than sorry when it comes to all of the things you have worked so hard to have. This means you need to have a renters insurance policy in place and to do that, you need to call the agents at Land Home Insurance Services today to get your policy started.

The Top 3 Things Covered by Motorcycle Insurance

Most states within the US require everyone owning a motorcycle to have motorcycle insurance. But what exactly is it good for? A lack of understanding about exactly what your policy covers can lead you to unnecessary hassle later on, plus confusion about whether or not the coverage you have is what’s right for you.

Here are the three main things that are generally covered:

Accidents and Other Damage

Should your bike be damaged in an accident, a natural disaster, or even theft, your full coverage insurance policy will more than likely cover the cost of repairs minus your deductible. These types of policies are typically required by law and can be worth their weight in gold should your motorcycle receive serious damage.

Injuries to You or Your Passenger

Optional in some states and required in others, policies that cover the cost of medical bills for you or your passenger are invaluable. Should you be involved in an accident, regardless of who is at fault, these policies will cover the associated medical bills up to a certain limit, similar to health insurance.

Uninsured or Underinsured Motorists

It’s no secret that not every driver on the road is a responsible one. If another driver hits and injures you or your bike but does not have the proper insurance, it’s possible that your policy will pick up where theirs left off. This means you will never be stuck holding the bag for an accident that was not your fault.

Land Home Insurance Services is Here to Help!

Ensuring that you have the coverage you need isn’t hard with help from Land Home Insurance Services. Our team of agents can get you set up with a personalized policy at a great price. Give us a call today to get started!

On the Road Again: Why RV Insurance is Essential for Travelers

It’s that time of year again — the roads are busier, campsites are filling up, and people all over the country are taking their RVs on the road to explore everything this great nation has to offer. Before setting out on your RV adventure, there is one important thing you must remember: RV insurance. 

The Basics of RV Insurance

RV insurance is designed to protect your recreational vehicle, its passengers, and the people you may come into contact with while on the road. This protection comes in several forms, such as liability coverage in case you damage someone else’s property or personal injury protection if you’re at fault for an accident.

Benefits of RV Insurance

RV insurance can provide travelers peace of mind, especially in an accident or other unexpected incident. It also provides coverage for a variety of scenarios that wouldn’t be covered under traditional auto insurance policies, such as medical payments if you’re injured while traveling and roadside assistance if your RV breaks down on the side of the road.

Common Claims and How RV Insurance Can Help

As with any vehicle, accidents and theft can happen on the road. RV insurance can help cover the costs of repairs or replacements if your RV is damaged or stolen. Additionally, it can provide coverage for valuable items lost or stolen from your RV while you’re on the move.

Enjoying the Open Road with Peace of Mind

When you set out on your RV adventure, plan ahead and ensure you have the right coverage to protect your vehicle and its passengers. With the right RV insurance policy, you can explore the open road with peace of mind knowing that you’re covered in case of an unexpected incident.

Reach Out To Us

We at Land Home Insurance Services understand the importance of protecting your recreational vehicle and its passengers and provide custom RV insurance plans to meet all types of travelers’ needs. Get in touch with us at Land Home Insurance Services today to discuss which insurance policy is right for your RV adventure!

Does Boat Insurance Cover a Rip in My Sail?

If you own a sailboat, you know that maintenance and repairs can be expensive. Something always needs to be fixed or replaced, from the hull to the hardware. But what happens when you have an unexpected accident that damages your sail?

What is Covered by Boat Insurance? 

Boat insurance policies typically cover damage and theft of property, as well as liability for any accidents or injuries that may occur while on the water. Most boat insurance policies do not cover damage caused by wear and tear over time or extreme weather conditions—so if your sail becomes ripped due to these factors, you may not be covered.

Does Boat Insurance Cover a Rip in My Sail? 

In most cases, yes—boat insurance can cover a rip in your sail if it is caused by an unexpected event (like an accident). This means that if another boat collides with yours and causes your sail to rip, it should be covered under your policy. However, it likely won’t be covered if the rip is caused by normal wear-and-tear over time or extreme weather conditions (like high winds). It’s best to check with your insurer before filing a claim, just in case.  

Ensure You Have The Right Coverage

If you own a sailboat, ensure you have the right insurance coverage from Land Home Insurance Services. We also offer comprehensive coverage for motorboats and other recreational vehicles too! Our agents will work with you to find the right policy for your needs and budget so that you can protect yourself financially in case of an unexpected event like an accidental rip in your sail. 

Give Us A Call

Contact Land Home Insurance Services today for more information about how we can help protect your investment with comprehensive boat insurance coverage!

Three common questions about umbrella insurance

Umbrella insurance is an important type of coverage to have if you want to protect your assets. You can get umbrella insurance from Land Home Insurance Services. 

If you are in the market for umbrella insurance, you might have some questions about this type of insurance.

The following are three common questions about umbrella insurance:

What types of expenses will umbrella insurance cover?

Umbrella insurance is a type of insurance that covers liability expenses. While this type of insurance will cover costs for you if you face a lawsuit, umbrella insurance does not cover damages to your personal belongings.

Umbrella insurance can cover expenses you face due to a car accident, for example. Umbrella insurance can also cover you for injuries that guests in your home experience. 

How do you qualify for an umbrella insurance policy?

You need to have another type of insurance policy to qualify for an umbrella insurance policy. Umbrella insurance is designed to add to the coverage you already get from your car insurance or home insurance policy. 

You need to make sure that you have a home or auto insurance policy that meets certain maximum coverage requirements in order to qualify for an umbrella insurance policy.  

How much umbrella insurance should you buy?

In general, it is recommended that policyholders carry enough umbrella insurance coverage to cover the full value of their net worth. This way, all of a consumer’s assets are protected. 

Give Us A Call

Let us help you meet your umbrella insurance needs at Land Home Insurance Services. If you’d like to explore our umbrella insurance offerings, give us a call today. Get in touch with us to get a quote on an umbrella insurance policy. 

Do I need RV insurance if I only drive my RV once a year?

Your RV or recreational vehicle is designed to be driven, much like a car. Most states require anyone who operates a vehicle to carry liability insurance. An RV is a home on wheels. It’s actually a vehicle. Our Land Home Insurance Services team is committed to helping RV owners understand the law and the benefits of RV insurance. 

What is RV Insurance?

RV insurance, like car insurance, provides liability protection and more for people who operate RVs. If you are found at fault for an accident or some other situation involving your RV, liability coverage will pay for the medical expenses of those injured and any property or physical damage to another vehicle. Liability coverage also provides legal protection as well. RV insurance also provides financial compensation for the repair or replacement of your vehicle as well as roadside help.

Do I need RV insurance if I only drive my RV once a year?

Regardless of how frequently or infrequently you drive your RV, you are still required to carry liability RV insurance. You must carry RV insurance that meets the state-specified minimum requirements. Most states require anyone who operates an RV to carry RV insurance to legally operate an RV. Most states require anyone who operates an RV to carry property damage liability and bodily injury RV insurance. This coverage will provide financial compensation for any damage you cause to other people’s property, vehicles, etc, as well as any injuries you cause while operating your RV.

Contact Us Today

If you have questions regarding what’s legally required to operate your RV, call us at Land Home Insurance Services. We can help you explore state minimum requirements as well as the benefits of RV insurance. 

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