Umbrella Policy
If We Talked About an Umbrella Policy…
The transcript of an imaginary conversation between you and Faribo Insurance Agency about your umbrella policy.
Faribo Insurance: I am concerned that you may not have high enough liability insurance limits to protect you in the event of a major lawsuit.
Carl Client: already carry auto liability and a homeowners policy. Isn’t that more than enough?
Faribo Insurance: It is only if you aren’t sued for more than your policy limits. In this age of jumbo lawsuits, it makes sense to increase your protection. And the best way to do it is with an umbrella policy.
Carl: How does the umbrella policy work?
Faribo Insurance: This policy adds a layer of a million dollars (or more) of liability protection over and above your regular auto and homeowners liability insurance. It’s this “over and above” element that gives the umbrella policy its descriptive name.
Faribo Insurance: It’s easy. Just give me a call at 888-923-0430, email me or use our Quick Quote Insurance form and I’ll promptly prepare a special proposal for you. I’m sure you’ll like what you see.
Minnesota Flood Insurance
If We Talked About Minnesota Flood Insurance…
The transcript of an imaginary conversation between you and Faribo Insurance Agency about your Minnesota flood insurance policy.
Faribo Insurance: Are you aware that you don’t have any protection for your home and its contents in the event of flood damage?
Carl Client: I buy my homeowners insurance from you. Doesn’t that cover me for flood?
Faribo Insurance: No. Nobody’s homeowners policy covers damage caused by flood. What you need is a special flood policy to protect your house. And since your community participates in the National Flood Insurance Program (NFIP), you are eligible to purchase this coverage.
Carl: Why should I buy a policy now? Can’t I just order one when the weather turns bad?
Faribo Insurance: It doesn’t work that way. There is a 30-day waiting period before coverage begins, so now is the right time to buy.
Carl: Great. How do I sign up for the policy?
Faribo Insurance: It’s easy. Just give me a call at 888-923-0430, email me or use our Quick Quote Insurance form and I’ll promptly prepare a special proposal for you. I’m sure you’ll like what you see.
Minnesota Home Owners Insurance
If We Talked About Minnesota Home Owners Insurance…
The transcript of an imaginary conversation between you and Faribo Insurance Agency about your Minnesota Home Owners policy.
Faribo Insurance: I am very concerned that you are overpaying for your personal policies and that your insurance life is more complicated than necessary.
Carl Client: I already have my homeowners policy with you. Are you saying that it is overpriced?
Faribo Insurance: No, but you’ll enjoy a nice discount on your homeowners and auto when you insure both policies with us. Plus, you’ll make your insurance life easier with us as your only agent.
Carl: What kind of discount are we talking about?
Faribo Insurance: When we write your auto policy with the same company as your homeowners, you’ll receive a discount on each. That’s quite a savings. Plus, there are other benefits as well.
Carl: What other benefits will I receive if I switch my auto policy to your office?
Faribo Insurance: In addition to the savings, we’ll help you to match up your individual needs with the right auto policy coverages and options. Currently, by dividing your policies among multiple insurers, you are doubling the risk that you and your family are improperly covered. You need one team of insurance pros to coordinate all of your personal property and liability protection. And that’s us.
Carl:What if I have a claim on my home and car at the same time? Right now, I have to contact two agents. How does that work if you provide both of these policies?
Faribo Insurance: Good question! By carrying your home and car policies with us, you’ll only have to file one claim, not two. Common examples include heavy storms where trees fall over onto houses and cars and instances where drivers accidentally damage their own garage while pulling in or out.
Carl: This all sounds good. How soon can I get a quote on my car insurance with you?
Faribo Insurance: It’s easy. Just give me a call at 888-923-0430, email me or use our Quick Quote Insurance form and I’ll promptly prepare a special proposal for you. I’m sure you’ll like what you see.
