Umbrella Insurance, sometimes called “personal umbrella insurance”, is a type of personal liability insurance that provides an extra layer of affordable liability protection in the event of an accident.
Adding Umbrella Insurance protects you and your family by covering additional damage costs that extend beyond the limits of your homeowner’s, auto, or watercraft policies. This additional coverage ensures your personal assets are safe.
Considering adding an Umbrella Insurance policy? Here are some answers to frequently asked questions.
What does it cover?
The primary purpose of this coverage is to protect you if you’re found liable for causing bodily injury to others or damage to their property. It also protects against incidents involving slander, libel, false arrest, and invasion of privacy, as well as any legal defense costs – even if you’re not found liable. It protects not just you as a policyholder, but also other family members within your household.
What does it not cover?
Umbrella insurance does not cover damage to your own property, nor does it cover any deliberate damage to others’ property caused by anyone on the policy.
How does it work?
Think of it as a “supplement” to your core coverage. Let’s say you have liability limits of $250,000 through your auto and homeowners insurance and you’re sued for $1,000,000. The umbrella insurance would kick in after legal fees and costs exceed $250,000 – which can happen staggeringly quickly – protecting you against having to pay the remaining amount out of pocket.
How do you know if you need it?
You might need an umbrella policy if you: own a car, own a home, want to protect your assets against a lawsuit or judgment, or want to protect your retirement savings or future earnings. Accidents happen every day – umbrella insurance is an affordable way to protect the assets that you’ve worked hard to acquire.
How much does it cost?
For the amount of protection it offers, liability insurance is surprisingly affordable. The decision on whether or not to get it calls for weighing the risk of what you stand to lose – current assets as well as the potential loss of future income or earnings. It’s especially affordable if you already have a policy with the same insurance company. Are you already a California Casualty member? Call us for an Umbrella Insurance quote today!
Does it cover car rentals?
Your automobile policy is the primary coverage for any damage or injuries you might cause while driving a rental car. However, if the cost of damage or any lawsuit fees is greater than your auto insurance liability limits, that’s when umbrella insurance protection would provide you further protection.
Does it cover rental property?
If you’re a renter and have renters insurance, an umbrella policy can extend your liability protection beyond the limits of your primary policy. If you’re a landlord, this coverage can help protect you from lawsuits by tenants, their guests, or other third parties.
If you are still on the fence about Umbrella Insurance, here’s what you can do. Add the value of your home, significant assets, and any investment portfolios or retirement savings accounts, and determine how much liability coverage you have from your home and auto policies. Do your current policies cover your assets?
If the answer is no, it may be time to consider an Umbrella Insurance Policy.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
If you rent your home, having renters insurance is a no-brainer: It protects against loss and damage to your belongings and usually costs less per month than a fast-food order. But what about when you add a roommate to the mix? How does that affect your policy and coverage?
Here are answers to some of the most common insurance questions in a roommate situation.
Can I share a policy with a roommate?
California Casualty does not allow roommates to purchase a policy together. However, we offer a low or no cost endorsement, “Other Members of Household” that the insured can add to cover the roommate. This endorsement extends coverage for unrelated household members who live and maintain contents at the insured location, like a review. The maximum number of unrelated roommates that can be added to a policy is two.
How do I add a roommate to my policy?
California Casualty does not require both roommate’s names to appear on the lease. We only need the roommate’s name and the estimated value of property and increase the coverage amount if it is not adequate enough to cover the roommate’s personal belongings. You’ll want to go through the policy in detail with your insurance agent and roommate to make sure all the coverage, liability, and policy details are clear, understood, and agreeable to all parties.
What will the policy cover?
All policies have coverage limits. Typically, in a shared policy situation, the coverage limit doesn’t increase with the addition of a roommate but gets split between you. You’ll need to decide if the coverage limit is adequate given the value of your and your roommate’s possessions combined. Policies typically also cover personal liability, which helps cover the costs due to accidental property damage and accidental bodily injury.
What if my roommate moves out?
You’ll need to update your policy as soon as there are any changes to your roommate situation. If your roommate moves out, you’ll need to make yourself the sole policyholder asap. If you decide to bring in another roommate (and you both want to share a policy), you’d need to go through the policy update process again.
Further considerations
If you’re considering sharing a policy but are just not sure, think about the following.
Take stock of what you own. If your possessions are worth much more than your roommate’s, it may not be worth sharing a policy.
Check for potential cost savings. Working with your insurance agent, price out a shared policy versus a single policy. In some cases, a solo policy ends up being more affordable while offering more coverage.
Choose your roomie well! The secret to a good shared policy situation is a strong underlying relationship where you and your roommate are on good terms, can have honest conversations, and trust each other.
Deciding whether or not to share a policy is a very personal and individual choice – only you can know if it’s the best choice for you. But in the end, whether you decide for solo or shared, the most important decision is that you get protection as a renter. Check out the top 5 reasons to get renters insurance here.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Tomato juice is the best way to de-funk a skunked dog. Newspapers are the top choice for getting your windows sparkly clean. You’ve probably heard these tips a million times before? Too bad they don’t actually work!
When it comes to maintaining your home, the last thing you want is to follow myths that don’t work. We’ve rounded up 6 wintertime home maintenance myths that not only aren’t true – but could actually cause damage or a false sense of safety. To save you research time, we’ve also included what to do instead.
Use kitty litter to prevent slipping on ice – The idea is that putting litter on icy walkways and driveways will reduce the slickness by giving some grit to the surface. In actuality, litter really isn’t effective and mostly just ends up making a mess.
Do this instead – Use clay sand – the kind you’d find in a children’s sandbox – to add traction to the surface of the ice and reduce the risk of slipping. It’s cheaper and more effective than litter or the other common go-to’s. Also note that ice melting products, including various salts, are destructive to plants, surfaces, and sometimes pets as well.
Your smoke detector’s test button is all you need for a test – We all know we’re supposed to test our smoke detectors monthly. That usually means pressing the “test” button until you hear an ear-piercing, loud siren from the detector. The thing is, the test button just checks to make sure that the batteries and the alarm sound are working, not the sensor that detects smoke.
Do this instead – To make sure you’re testing for smoke sensitivity, you should test with actual smoke. Light a long wooden kitchen match (or 2-3 small ones if that’s not available), then blow out the flame, holding it up so the smoke wafts up to the unit. If the unit doesn’t sound from the smoke, replace it immediately.
Turn off your heat when not at home – Turning off the heat when you’re out of the house seems like an obvious time and money saver. Turns out that this “best practice” is faulty – and can put your home at risk for frozen and burst pipes, among other damage.
Do this instead – Whether it’s leaving for a whole day, a weekend trip, or even a longer winter vacation, make sure you leave the thermostat set to 55 deg F or higher. If your thermostat has multiple settings, make sure you choose the “permanent/vacation hold” so that it’s not overridden the next day to resume to normal temperatures. Leaving your heater on will also prevent it from having to work extra hard upon your return.
The more insulation, the better – Attic insulation is one of the most cost-effective ways to save energy in your home. So, the thinking goes: more must mean better. Some homeowners end up stuffing their attic full of the fluffy stuff, not knowing they’re dialing down its effectiveness.
Do this instead – Figure out the sweet-spot amount for your attic space. In order for insulation to do its job, its surface needs to be surrounded by air space. So, avoid forcing it into wall cavities so much that it becomes compacted. Also, too much in the main attic space can block ventilation of the soffit and eaves, creating prime conditions for condensation, mold, and eventually rot.
Thaw a frozen pipe quickly with a blowtorch – This myth also has versions starring matches, candles or lighters. Unfortunately, none of these is safe, and all can cause more damage to the pipe. In short, remember never to use an open flame of any sort on a frozen pipe.
Do this instead – A standard, everyday hairdryer is your go-to secret weapon for thawing freezing pipes. You can also use a space heater or heat lamp, but the dryer allows you to sweep, angle, and vary the heat source much easier. For tips on preventing frozen pipes in the first place, check out our post here.
Hot water defrosts windshields fastest – No doubt about it – being delayed by a frozen windshield in the morning is one of winter’s worst annoyances. Many people reach for hot water, wanting to defrost the glass as quickly as possible. Unfortunately, pouring (or even trickling) hot water on your windshield puts you at huge risk for cracking that glass.
Do this instead – First, remove the bulk of the ice with a soft brush or plastic ice scraper. Next, warm it up slowly using lukewarm water, your car’s defroster, and/or even your air conditioning (seriously!). Check out all 5 of our quick tips for windshield defrosting here.
By replacing de-bunked winter maintenance myths with proven strategies, you’ll probably dodge some avoidable damage or even repair costs (at the very least, time and energy). But don’t stop there – pay it forward by passing on your newfound wisdom to friends, family, and neighbors!
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Snow build-up packs a double-punch threat to your roof – and home. As snow piles up on your roof, it creates two threats over time. One is a heavy snow weight which, if left unchecked, can pose a risk of roof collapse. The other is the formation and persistence of ice dams.
Ice dams form when warm air rises inside your house and warms the roof, melting water that then runs down the eaves. Since eaves are colder, it refreezes there and creates a solid ice block, which then backs up future run-off water behind it. The more snow you have, the more run-off will accumulate. Also, the greater the temperature difference along your roof and the more time the ice deposits have to grow, the bigger your ice dam problems will be.
Keeping both these threats at bay requires a steady habit of keeping that snow in check.
Rooftop Snow Removal
Rooftop snow is typically removed either by raking or shoveling. Your best bet as a DIYer is raking. If you live in a one-story house, you can probably do this yourself. If you live in a two-story or taller home, or you have an abundance of snow to remove, consider hiring a professional (who will most likely shovel, rather than rake). Here are some top tips for safe snow raking.
Get the right rake – Look for a rake that has these important features. First: small bumpers, wheels, or rollers near the blade. These keep the blade off the roof surface, protecting it from damage. Second, the handle should have a slight bend to it. This makes it more versatile and easier to use than a straight-handled rake. Third, consider plastic over metal because it’s lighter. Finally, a telescoping feature will allow you to reach more snow.
Buy an extension or two – If your rake doesn’t have a telescoping feature, it’s a good idea to buy extra extension poles so that you can rake as high as possible on the roof. And having an extra pole or two tucked away will be good if your main one gets bent or damaged.
Rake regularly – Making this an ongoing task throughout the winter will help prevent build-up.
Have a plan – It’s important to rake in a particular sequence. First, knock down any hanging icicles. Then, with a rake in hand and firm footing on the ground, work your way around the house, starting with the overhangs (which are most prone to ice dams).
When raking, start low – Start at the bottom of the roof and work your way to the top, pulling off a foot or so of snow at a time. Be warned that starting high or pulling down too much snow could bring it tumbling down on you.
Stand back – Give yourself some room away from the roof’s edge so that if snow dislodges, it won’t fall on you.
Watch out for power lines – Be extremely careful not to hit any overhead lines. In fact, take an inspection walk around your house before starting to rake. Overhead lines are common in older homes.
Think twice before salting – Salting the roof can lead to discolored shingles and dead plants or grass.
Preventing Ice Dams
Ice dams can lead to roof leaks, causing structural damage inside your home, as well as water stains, bubbling paint and wallpaper, and mold/mildew formation. Besides keeping up with snow removal (the best strategy for ice dam prevention), here are some others:
Insulate your attic – This will minimize heat loss, keeping your roof cooler and melting less snow. It will also save on energy costs.
Eliminate air leaks – Seal leaks in the attic, around the chimney, and at entry points for vents and pipes.
Vent out the hot air – Proper ventilation will help keep heat from getting trapped and warming concentrated spots on your roof. Consider installing two motor-driven fan vents – one that draws in cold air and one that exhausts hot air.
Turn down the heat – Dialing down your home temperature will not only help prevent snowmelt and ice dams, but also save on your heating bill. Check out our easy tips here.
If you already have ice dams – Ice dams can do serious and expensive damage to your home – so if you have them, get them removed by a professional asap.
Preventing wintertime damage to your home saves money and headaches over time. In the case of your roof, keeping it maintained and damage-free will extend its life and protect your home’s value. Follow the strategies above and also remember – if the snow is wet, heavy, voluminous, or hardened you should hire a professional snow shoveling service. Finally, getting a pre-winter roof inspection is always a good idea, as it will surface any structural vulnerabilities or problems with your roof.
For more winter home maintenance tips, click here.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Often called the “silent killer,” carbon monoxide (CO) is an odorless, colorless gas that claims more than 400 American lives each year, sends 20,000 to the emergency room, and hospitalizes more than 4,000.
It is an indiscriminate killer, striking its victims when they’re unaware or asleep. This poisonous gas is produced by burning fuel in vehicles, stoves, lanterns, fireplaces, gas ranges, furnaces small engines, and portable generators. Here are tips for keeping you, your family, and pets safe from it.
Prevention Tips For Your Home
Here are top strategies to prevent an inadvertent CO leak or exposure in your home.
Install at least one battery-operated or battery back-up CO detector on each floor of your home, including the basement and garage (if it’s attached). Detectors on your main floors should be inside or directly outside the bedroom or sleeping areas.
Test your alarm(s) monthly, replace batteries every six months and replace the units themselves every five years.
Maintain yearly inspection schedules for your heating system, furnace, water heater, fireplace, chimney, and any other gas or coal-burning appliances.
When buying gas appliances, only buy those carrying the seal of a national testing agency.
Make sure all gas appliances are vented properly.
Never burn charcoal or use a generator or portable gas camp stove indoors.
If you smell an odor coming from your gas refrigerator, have an expert check it – the odor could indicate it’s leaking CO.
Prevention Tips for Your Car
Your vehicle actively produces CO every time you start the engine, so do the following to stay safe.
Take your vehicle to a trusted mechanic yearly for an exhaust system check. Small leaks can cause CO buildup inside your car.
Do not run your vehicle inside an attached garage, even with the garage door open.
If your car has a tailgate, make sure you open vents or windows anytime you open the tailgate while the engine is running – if you open only the tailgate, CO fumes will be pulled into the passenger area.
Symptoms of CO Poisoning
It’s important to know that symptoms can vary in terms of severity, and often mild symptoms are mistaken for the flu (although without fever).
Low to moderate poisoning results in:
Fatigue
Headache
Nausea
Dizziness
High-level poisoning results in:
Confusion
Vomiting
Loss of muscular coordination
Loss of consciousness
Ultimately death
If you or a family member are experiencing any of these symptoms get outside to fresh air immediately then call 911.
When Your Carbon Monoxide Alarm Sounds
First off, you should know – from regular testing – what the different beep sequences and alarm sounds mean. For instance, there may be different beep patterns indicating low batteries, a detector that needs to be replaced, and a true CO emergency. When you hear the CO emergency signal:
Do not try to find the source of the leak – instead, immediately move outside to fresh air.
Call 911, emergency services, or the fire department.
Do not re-enter your home until emergency responders have given word that it’s safe to do so.
When it comes to carbon monoxide poisoning, it’s best to err on the side of abundant caution. A person can be poisoned by a small amount of the gas over a long period of time, or by a large amount during a short time. The measures above should keep both your indoor air quality and your family safe and healthy.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
With cold weather comes extra hazards. Be on the lookout for these six common ones, so you can avoid injury, accidents, and damage to your home.
1. Unsafe Heaters and Furnaces
Make sure your heating system has been inspected by a professional (ideally well before winter arrives). This will ensure that it’s prepped for the hard work of heating your home through frigid temps and doesn’t break mid-season, leaving you scrambling for repairs. Here’s how you can keep it in working order:
Wipe it down regularly to get rid of dust and debris; you can also gently vacuum it with a nozzle/brush attachment.
Clean vents and adjust dampers in all rooms.
Replace dirty filters as needed.
Listen and watch for strange sounds or behavior. Do a visual check from time to time for frayed wires or other damage (pests can attack without your knowledge!).
If you have a furnace, be sure to check the pilot light regularly (follow manufacturer’s instructions).
2. Fireplace Hazards
Like your heating system, your chimney, flue, and supporting structures need an annual inspection (and possible cleaning). Schedule inspections at the same time for an easy maintenance routine. Besides inspections, be sure to:
Clean out ash after every fire – excess ash can reduce airflow and make your next fire dangerous.
Never leave a fire unattended, and always make sure it’s completely extinguished before leaving it for the night.
Use a fire screen for extra protection and consider fireplace doors if appropriate.
Check your smoke and carbon monoxide alarms to make sure they’re working properly.
For more indoor fire safety tips, check out our blog post.
3. Porch and Deck Safety
The areas immediately surrounding your home and entrances pose a special risk for slips, falls, and other injuries resulting from ice. Protect yourself, your family, and any visitors with these precautions.
Remove snow from decks, walkways, porches, and your driveway as soon as possible to prevent a melt-and-refreeze cycle (i.e. black ice).
Consider slip-resistant finishes and coatings, deck strips, or even mats in high-traffic areas.
Make sure handrails are secure and in good working order to provide stability when stairs are slick.
4. Gutters and Roofs
Following a theme from earlier on, it’s imperative to get your roof inspected annually so that you become aware of any problems and can get repairs done before winter sets in. Then, throughout the season:
Keep gutters cleared out so that water goes down the spout where it’s supposed to, rather than finding other cracks or crannies to get into.
If you live in a snowy area, clean gutters can also help prevent ice dams from forming and causing costly damage.
Remove snow from your roof regularly with a roof rake.
Use that same rake to remove any icicles that have formed.
5. Power Outage Prep
Snowstorms and freezes can easily take out power lines, leaving you in the cold and dark. Have your emergency plan and power back-up ready in case you need it. Additionally:
Have a two-way radio for news concerning the outage (make sure it’s solar-powered, uses batteries, or is hand-crank).
Have a hand-crank or solar-powered cellphone charger so you can keep in touch with family, neighbors, and friends.
Invest in a generator, and always have flashlights, lanterns, and extra batteries on hand.
Illnesses, including the flu, coronavirus, and others surge during winter months because we’re usually indoors and in close proximity to others. Be sure to stick to the routine precautions for COVID-19 prevention – including mask-wearing, frequent handwashing, and social distancing – to keep yourself and your family safe. Pandemic fatigue is real, but sticking to the guidelines will keep us all – including our nurses, doctors, and other health care workers – healthy until a vaccine is available.
Many times, making sure your home is prepped for winter hazards means thinking ahead in summer and fall. Keeping up with your yearly inspections can uncover problems with chimneys, heating systems, and your roof that could cause major headaches and damage right when the thermometer is plunging. Taking actions early – and keeping an eye out year-round – will give you peace of mind during the winter so you and your family can enjoy a cozy, serene and safe home.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
