• If you use candles please keep them one foot from anything that is flammable.
• Make sure you never leave without blowing them out. This includes going to bed.
• If you use a space heating in your home keep it at least three feet from anything that could burn.
• When cooking if you are frying, grilling or broiling food never leave the kitchen unattended.
• Keep a kitchen type fire extinguisher available for emergencies. Never place it in a cabinet above your stove, in the event of a fire you may not be able to get at it.

You read about them every day -- lawsuits that result in multi-million dollar awards for injuries or death, all because of an auto, home or boating accident.

If you do not have adequate liability coverage, losses from an accident can ruin your family's financial future.

Umbrella coverage works with your current auto, home, or boat insurance for extra protection after your existing coverage is exhausted.

What does the Umbrella Policy cover?

This policy provides additional liability limits to your Homeowners, Condominium or Renter's policy and Automobile policy of at least $1,000,000. Additional coverage up to $5,000,000 is available. It also provides coverage that may be excluded in your existing policies.

When considering umbrella coverage, it's important to think of your future income and assets, as well as what you own now.

Now is the time to build a second line of defense -- to protect you and your family when your other policies stop.

Get more information today. Complete the form to safeguard your family's assets.

This could happen to you!

• While helping you clean the leaves from your gutters, your friend's 16-year-old son falls from your ladder and severely injures his neck. The jury awards $1,500,000 for his numerous operations.

• $1,700,000 is awarded to a single mother and her 2-year-old daughter who were severely injured in an automobile accident that you were involved in.

• While on a family vacation, your 13-year-old son loses control skiing and injures four people. The jury awards $1,200,000 to one of the victims whose face was disfigured.

• Your wife is involved in an automobile accident while driving your 8- and 9-year-old children and their friends to soccer practice. Some of the children are seriously injured. The court awards $1,600,000.

These examples are real!