With National Dog Day coming up on August 26th, it’s a good time to talk about something a lot of pet owners never think about until it’s too late: what happens if your dog bites someone. It’s not a fun topic, but it’s an important one, and understanding how homeowners liability applies can save you[…]
Dog Bites and Homeowners Liability: What Every Pet Owner Should Know
By John Scott Insurance Umbrella Insurance Aug 20, 2026
Why Umbrella Insurance Is One of the Most Overlooked Protections
By John Scott Insurance Umbrella Insurance Mar 19, 2026
When people think about insurance, they typically think about home and auto policies. But what happens when a serious accident exceeds those coverage limits? That’s where umbrella insurance comes in. Umbrella insurance is one of the most affordable ways to protect your assets, yet it’s also one of the most overlooked. What Is Umbrella Insurance?[…]
Do You Need Umbrella Insurance If You Already Have Good Coverage?
By John Scott Insurance Umbrella Insurance Nov 26, 2024
In Michigan, even comprehensive home or auto insurance might not be enough to protect your financial future from unexpected liabilities. That’s where umbrella insurance comes into play. Designed to kick in when standard policies reach their limits, umbrella insurance offers an essential layer of protection for your assets and peace of mind in today’s increasingly[…]
How Does Umbrella Insurance Work? Understanding the Basics for Michigan Residents
By John Scott Insurance Umbrella Insurance Oct 25, 2024
Umbrella insurance acts as a crucial safety net, extending beyond the limits of standard liability policies. This type of coverage steps in when your basic auto, homeowners, or watercraft insurance reaches its limit, ensuring you’re protected against costly claims and lawsuits. It’s not just the policyholder who benefits—umbrella insurance covers other members of your household[…]
How covered are you?
By John Scott Insurance Umbrella Insurance Oct 03, 2024
Have you ever considered getting an umbrella policy? People with significant assets or savings are more at risk for being sued for extensive damages in the event of an accident. If you don’t have an umbrella policy you could lose everything and turn out bankrupt. For example: A lawyer runs a red light[…]