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What is an “Umbrella”? And is it really necessary?

In the insurance world when people say “umbrella policy” they are not talking about an insurance policy to cover your beautiful umbrellas. The long winded name of an umbrella policy is called a Personal Umbrella Liability Policy. The reason people call it an umbrella, is because it covers you and your stuff like an umbrella would cover you. Think...

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ISO Protection Class Codes: What Are They? How Are You Affected?

  What Are They? The ISO (International Organization for Standardization) partners with municipal fire authorities, city managers and other community officials to evaluate local fire-protection resources.  Data is gathered and evaluated prior to a Public Protection Classification (PPC) being assigned. PPCs will range from Class 1 (best) to Class 10 (worst).  PPC's are more commonly known as Fire...

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