My motorhome is in storage. Do I need insurance coverage? Written by Richardson Insurance Services, Inc on Aug 3, 2021

Here are three factors to keep in mind regarding coverage on your stored motorhome.

1. If you have comprehensive and collision coverage on your motorhome, you will want to keep the coverage in place while storing your motorhome. The comprehensive and collision coverages will cover your motorhome for fire, theft, vandalism, acts of nature, and collision …all of which could still happen even ...

What is an umbrella policy for? Written by Richardson Insurance Services, Inc on Jun 10, 2021

An umbrella insurance policy provides additional liability protection over your other policies. It is additional insurance on top of the coverage you already have. The main perk of an umbrella policy is that it is extremely affordable and provides a lot more coverage than a standard home, auto, motorcycle, boat, etc. policy and can be applied to any of the policies under the umbrella.

Below is an example:

Jane Doe has the following policies and liability coverage:

Home $500,000</...

What does my home policy cover? Written by Richardson Insurance Services, Inc on Apr 19, 2021

• Your home coverage can be broken down into 2 basic parts.
  • Protection for your house (the structure, personal property, and living expenses)
    • The Structure- includes the floor, walls, external siding, and roof (*note that your crawlspace is not covered).
    • Personal Property- typically any item that would fall out if your home were picked up and dumped ...

What does my auto policy cover? Written by Richardson Insurance Services, Inc on Mar 22, 2021

• Your auto policy coverage can be broken down into 3 parts:
  • For Others - Bodily Injury & Property Damage
    • You will often see this listed something like 100/300/100. What this means is that if you are at fault in an accident, your insurance company will pay up to $100,000 in liability coverage per person with a cap of up to $300,000 per accident (for injuries), and $100,000 in property damage (to repair or replace the not-at-fault party’s vehicle).
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Do I need rental car insurance coverage? Written by Richardson Insurance Services, Inc on Feb 15, 2021

Insurance agents are asked this question regularly. The answer, unfortunately, is not black and white. It depends. Here are a few things for you to think about when renting a car.  

1. Vehicle coverage - Do you have comprehensive and collision coverage on a vehicle you own? If so, this coverage will extend to your rental car. If not, then there is no coverage to extend to cover the rental vehicle. Keep in ...