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Sparks Insurance, Inc. Blog: personal umbrella

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Whether you have a luxury in-ground pool, or plan to blow up an inflatable kiddie pool, it is important to consider the safety implications.  There are an estimated 7.4 million swimming pools and five million hot tubs in residential or public use in the United States, according to the Centers for Disease Control and Prevention (CDC). READ MORE >>

A personal lines umbrella policy creates an extra layer of protection for you against very large claims when you may be financially liable for a loss or injury to someone else. A personal umbrella policy doesn’t cover everything, so it’s important to clarify with your agent what triggers your insurance. READ MORE >>

Cyber bullying is not just libel anymore. Victims often claim severe emotional distress and even bodily injury. In extreme cases, social media users have been blamed for another person’s death. While a homeowners policy may respond to certain instances where bodily injury is sustained, some online activities may be excluded from coverage. READ MORE >>

From 2009-2014, 66 percent of playground equipment accidents occurred at home. Now that springtime is here, playground season is in full swing. Are the kids in the backyard and at the local playground safe? The U.S. READ MORE >>

Spring may be the traditional time of year for cleaning out closets and drawers and organizing attics, but it is also a great time to review of your insurance coverages, according to the Insurance Information Institute (I.I.I.).  READ MORE >>

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