umbrella policy Archives - Spencer Insurance Agency Inc.

Preparing for Life’s Unexpected Events: The Importance of Personal Umbrella Insurance

Life is full of surprises, and not all of them are pleasant. From unforeseen accidents to unexpected legal issues, the potential for life-altering events is always present. That’s where personal umbrella insurance steps in as a valuable layer of protection, providing an extra cushion when your standard insurance policies may fall short. We’ll explore the […]

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15 Every Day Activities that Suggest You Need an Umbrella Policy

umbrella policy / Charlie Spencer

If you carry auto or homeowners’ insurance, you may be asking yourself… “do I really need an umbrella policy, too?” The short answer is yes. An umbrella policy kicks in where your homeowners and auto policies leave off – providing you with extra protection and peace of mind should the unexpected happen and a claim or

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Pool Safety

Featured / Charlie Spencer

Pool Safety Pool season is here! There is nothing better on a hot day than to take a dip in your pool. Pools are fun for the whole family (even the dog)! While having a pool is nice, safety needs to be your number one priority. Review these pool safety tips and ensure your family

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Do you know the importance of umbrella insurance?

Featured / Charlie Spencer

Since February 11th was Umbrella Day, we want to take time to explain that umbrella insurance is not for umbrellas! Umbrella insurance provides extra liability coverage for you or your business. This helps protect you or your business from large claims or lawsuits that exceed the limits of the liability coverage offered by your home,

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Car crashes into Hatboro home and destroys the home.

Home safety / Charlie Spencer

A car crashed into a house in Hatboro on Tuesday morning July 5, 2011. The crash caused a fire which destroyed the home. Fortunately the residents of the house escaped unharmed. Our prayers go out to the families of the people killed in the car. We also send our prayers to the family that lived

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What is a Personal Umbrella Policy?

Home safety / Charlie Spencer

A Personal Umbrella Policy is a liability policy that will provide you additional liability coverage if your limits on your personal auto policy or homeowner’s policy are exhausted. It can also provide coverage for liability gaps in your auto and homeowner’s policies. It is named umbrella since it is placed above your auto and homeowner’s

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