Umbrella Insurance Archives - Otterstedt Insurance Agency

Pool Safety Tips and Insurance Considerations

Written on June 27, 2022.

Having a swimming pool in your house can be a fun way of adding more value to your life. But a swimming pool can have risks like pool injury and accidents, including drowning. According to the Centers for Disease Control and Prevention (CDC), in the U.S., children ages 1-4 have an...

How Umbrella Insurance Works To Protect Your Family

Written on September 17, 2020.

Umbrella insurance is something you’ve probably heard of but may not fully understand. You may even believe it is something you don’t really need. Unfortunately, we live in a litigious society that is making it more and more difficult for people or families to manage without the financial...

How Dash and Security Cameras Can Help Defend You in a Lawsuit

Written on June 26, 2020.

When it comes to personal injury or property damage lawsuits, video recordings may be used in many types of cases, such as vehicle accidents, home thefts, personal injuries, and more. Depending on the location of the video recording device, footage of the incident can go a long way toward...

The Risks of Being Underinsured

Written on February 26, 2019.

You probably know by now how important it is to have insurance coverage. What you may not know, until you find yourself filing a claim, is that being underinsured on your home, auto, personal umbrella, renters, flood, or liability insurance protection can be really painful as well. In...

Explain My Coverage

Written on February 12, 2019.

Understanding the types of insurance coverages available is a critical part of protecting you and your families financial security. Below are some of the top insurance coverages the average household requires. Auto Insurance Coverage Auto insurance coverage provides financial...

Who is Liable for a Slip and Fall on Ice at Your Home?

Written on January 23, 2019.

Slip and fall injuries are tricky things, legally speaking. That doesn’t mean that homeowners bear no legal responsibility, or liability, for slip and fall injuries occurring on their property. When people slip and fall on ice at your home, whether it be a guest, the mailman or a...

Volunteering at School? Make Sure You’re Properly Protected

Written on August 16, 2018.

Volunteering at your child’s school is a great way to be involved in your child’s education, get to know your child’s friends and classmates, and make an impact on the lives of students. More than anything else, it shows your children that you value their education and want to be involved in...

4 Important Points of a Commercial Umbrella Policy

Written on January 17, 2017.

A commercial umbrella policy is designed to provide coverage when you have expenses that are not covered by your current liability insurance policy. This type of insurance basically ‘picks up’ where your business liability coverage stops and provides you with extra coverage for...

What Does a Personal Umbrella Policy Cover?

Written on December 15, 2016.

For some people the idea of an umbrella insurance policy might, at first, appear to be a foreign concept. When you think about, though, the idea makes perfect sense. Just as an umbrella provides a shield between you and the unexpected storms of the world, so does an umbrella insurance policy –...

Does Owning a Pool Affect Insurance Rates?

Written on June 13, 2016.

The idea of owning your own swimming pool may sound like the perfect, most refreshing idea for a summer day. Before you take the dive and start the process, it’s a good idea to explore how pool ownership will impact your insurance rates. The Legalities of Pool Ownership For insurance...