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Why Should I Have a Personal Umbrella Policy?

Posted: 01/24/2024

 home   risk  

The main purpose of an umbrella policy is to protect you and your assets from the financial fallout of certain unforeseen events but are they worth it?

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    Replacement Cost vs. Taxable Value vs. Real Estate Market Value – What's The Difference?

    Posted: 01/03/2024

     service   home  

    I often get asked this question by customers! Trying to figure out what each of these separate values mean, in relation to your home or commercial building, can be very confusing! To better understand the differences, here's a quick breakdown!


    How Home Replacement Costs are Affecting Home Insurance

    Posted: 12/14/2022

     home  

    Home insurance is based on the cost to rebuild and replace your home, not its market value.


    Your Home may be Underinsured

    Posted: 08/05/2016

     home  

    You pay for home insurance to avoid incurring large out-of-pocket expenses after something damages your house and personal property.


    Do You Volunteer Your Time AND Insurance?

    Posted: 07/06/2016

     home  

    If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner's policy?


    Home Improvement Season!

    Posted: 04/15/2016

     home  

    Be cautious when selecting a contractor to work for you when making repairs or improvements to your home. A couple of things you should know...


    What should I know when buying my Condominium Unit Owners policy?

    Posted: 10/05/2015

     home  

    It is important to know that your role as a unit owner is spelled out in your association documents, namely the By-Laws and Declarations. If you can't lay your hands on a copy you should ask a member of your association board for one.


    Claims—Surviving the Storm

    Posted: 12/02/2014

     home  

    Common questions after damage from the hail storm.


    Do you have Coverage for Sewer or Drain Backups?

    Posted: 06/01/2014

     home  

    Were you aware that not all home owner and business owner insurance policies contain coverage for damage caused by sewer or drain backup?


    Don't get Bit by your Home Insurance Policy

    Posted: 03/25/2014

     home  

    Just like people, dogs have their good days and bad days. Dog bites can be serious, resulting in severe injuries or even death, as well as emotional damage.


    Better Personal Property Protection

    Posted: 02/24/2014

     home  

    A Scheduled Personal Property endorsement is tailored to meet your specific needs, and protects your things that have unique and often high values.



    Burglars Are Watching!

    Posted: 11/25/2013

     home  

    On Mother's Day weekend our house was robbed. Learn from our experience!


    Getting to Know Your Homeowner's Policy

    Posted: 09/12/2012

     home  

    The standard homeowners form used by the insurance industry today covers many water related claims, mainly from water that is "supposed to be in your home."


    Home Coverages You Never Knew you Needed

    Posted: 04/21/2012

     home  

    Safeco Insurance Company is now offering this optional coverage to its homeowner's clients for only $2 a month.


      Must Read Articles

      Find Helpful Information and Articles from Darnielle Insurance

        View All

      Why Should I Have a Personal Umbrella Policy?

      The main purpose of an umbrella policy is to protect you and your assets from the financial fallout of certain unforeseen events but are they worth it?

       home   risk  

      Replacement Cost vs. Taxable Value vs. Real Estate Market Value – What's The Difference?

      I often get asked this question by customers! Trying to figure out what each of these separate values mean, in relation to your home or commercial building, can be very confusing! To better understand the differences, here's a quick breakdown!

       service   home  

      How Home Replacement Costs are Affecting Home Insurance

      Home insurance is based on the cost to rebuild and replace your home, not its market value.

       home  

      Your Home may be Underinsured

      You pay for home insurance to avoid incurring large out-of-pocket expenses after something damages your house and personal property.

       home  

      Do You Volunteer Your Time AND Insurance?

      If a volunteer endeavor goes bad, would a volunteer board member have coverage against a lawsuit under his or her homeowner's policy?

       home  

      Home Improvement Season!

      Be cautious when selecting a contractor to work for you when making repairs or improvements to your home. A couple of things you should know...

       home  

      What should I know when buying my Condominium Unit Owners policy?

      It is important to know that your role as a unit owner is spelled out in your association documents, namely the By-Laws and Declarations. If you can't lay your hands on a copy you should ask a member of your association board for one.

       home  

      Claims—Surviving the Storm

      Common questions after damage from the hail storm.

       home  

      Do you have Coverage for Sewer or Drain Backups?

      Were you aware that not all home owner and business owner insurance policies contain coverage for damage caused by sewer or drain backup?

       home  

      Don't get Bit by your Home Insurance Policy

      Just like people, dogs have their good days and bad days. Dog bites can be serious, resulting in severe injuries or even death, as well as emotional damage.

       home  

      Better Personal Property Protection

      A Scheduled Personal Property endorsement is tailored to meet your specific needs, and protects your things that have unique and often high values.

       home  

      Burglars Are Watching!

      On Mother's Day weekend our house was robbed. Learn from our experience!

       home  

      Getting to Know Your Homeowner's Policy

      The standard homeowners form used by the insurance industry today covers many water related claims, mainly from water that is "supposed to be in your home."

       home  

      Home Coverages You Never Knew you Needed

      Safeco Insurance Company is now offering this optional coverage to its homeowner's clients for only $2 a month.

       home  

      Protecting Yourself from the Uninsured and Underinsured Driver

      With over 29 million uninsured drivers in the US what can you do to protect yourself?

       service   auto  

      Why Should I Have a Personal Umbrella Policy?

      The main purpose of an umbrella policy is to protect you and your assets from the financial fallout of certain unforeseen events but are they worth it?

       home   risk  

      Replacement Cost vs. Taxable Value vs. Real Estate Market Value – What's The Difference?

      I often get asked this question by customers! Trying to figure out what each of these separate values mean, in relation to your home or commercial building, can be very confusing! To better understand the differences, here's a quick breakdown!

       service   home  

      Halloween 2023 Agency Pumpkin Carving

      Darnielle held an office Halloween pumpkin carving contest and had some great entries!

       news  

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      Darnielle Insurance is available to answer your questions. We are located at 1320 28th Street West, Billings, MT 59102. Give us a call at 406-652-4180.

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