Do you insure your stored items in a garage?

Motorcycle stored in a garage

Motorcycle Insurance

Do you insured your stored items in a garage?

We’ve had many clients “assume” that some item’s stored in their garage is covered by that garage on their home owner’s insurance. They couldn’t be more wrong here.

“Land (or water) conveyance vehicle’s are an exclusion on a home owner insurance policy. That means this motorcycle in your garage needs it’s own insurance. Same with the boat or ski-doo you are storing in the garage. Snowmobile’s, quad’s, dirt bike’s, mini-bike’s…all need their own insurance policies to be covered, even if in your garage.


Injury to a Contractor Working on Your Home.

Injury to a Contractor Working on Your Home.

The scenerio is you need a new roof put on your home. After 3 bids you choose and select one to replace your roof. The day comes to start the work, which will take 2 days to complete, with a crew of 8 worker’s.

As UNLUCK would have it, one of the worker’s falls off the roof and injures his neck & back. He cannot sue his employer, as that is 1st party injury and covered by worker’s compensation. But guess who is a 3rd party to this work and thus can be held liable – YOU!

This is why it is important to have a personal umbrella policy. This added layer of liability protection goes OVER your home owner insurance policy. This $1,000,000 of added protection would go a long way in protecting you in the above case.

Roof replacement on your own home

Replacing your roof

So knowing your risks ahead of time, would help protect you in many ways.

Having good insurance is part of that.

You need a good insurance agent on your team.

By Tom Larsen

Volunteering is one hidden danger we never think of.

Why is volunteering one hidden danger we never think of?

We sit on a committee to run a charity race – a 5k. Someone gets seriously injured or has a medical emergency during the run. You as a committee member could be held responsible for that injury.

The injured party sees their attorney, the attorney sends letters out to all parties involved. The charity. The board. The race committee. They want to find out who was involved in this race.

If the charity carry’s no Directors & Officers insurance (D&O), then every person stands on their own for defense.

I’ve seen it happen. Not often but it does.

Personal Umbrella insurance is for just an incident like this one. Comes to your defense.

Personal Umbrella insurance isn’t just for your home & auto. It’s for the board you sit on. It’s for the kids you babysit in your home. It’s for the kids you drive to baseball practice.

Personal Umbrella insurance covers you for the many aspects of our lives. You may need one.

By Tom Larsen



Three Things You Need to Know About Insurance

Protecting Your Home: Three Things You Need to Know About Insurance Are you a new home buyer looking to insure your life-changing purchase? Or are you a long-time resident shopping around for a better insurance fit? Either way, homeowner’s insurance can be a complicated business. You’re sure to have many questions, and it’s better to ask them all up front before being saddled with a policy that really doesn’t suit your circumstances.

Continue Reading…

4 People Who Need a Personal Umbrella Policy.

 4 People Who Need a Personal Umbrella Policy.

Hi, Tom Larsen from The Larsen Insurance Agency and I wanted to inform you of the types of people who should have a personal umbrella policy.
The 1st type is soccer/Little League/Lacrosse Mom’s (and Dad’s) who drive not only their kids but the teammates to practice & games. I’ve seen some ugly situations show up in the past, where little Jimmy’s dad brought suit against Timmy’s family due to an auto accident.

Continue Reading…

Motorcycle’s & Boats can be added to an Umbrella Insurance Policy.

Those toys you own – motorcycle’s and boats can be added to an Umbrella Policy.

With this unbelievable early spring, we are seeing a rise in motorcycle accidents. Lots of times these motorcycle accidents can lead to a fatality, in which in my area has been 2 in 3 days.

Umbrella Insurance is especially important if you own a motorcycle or boat and can be added to the umbrella insurance.

boat insurance

Add boats to an umbrella insurance policy

With a boat, injuries occur from either horsing around, not paying attention or too much alcohol involved. These usually are not as severe an injury as a motorcycle would be but the potential is there.

Boat insurance should be purchased 1st, then add your boat onto an umbrella insurance policy.

This would give you and your family an added $1,000,000 protection over and above your boat insurance.




Motorcycle’s need to have their own insurance too before it can be added to an umbrella insurance policy.

Motorcycle Insurance

Motorcycle Insurance

With motorcycle’s, more severe injuries occur because people get thrown off their bikes. Anytime someone gets thrown from a bike, broken bones, cuts, bruises and other injuries occur.

Motorcycles and boats are 2 good reasons to add an umbrella insurance policy.

So if you like these kind of toys (and who doesn’t), this gives all the more reason to add an umbrella insurance policy to your insurance

By Tom Larsen

Umbrella Insurance protects everything you own.

Umbrella Insurance might be for you – because we don’t live in a perfect world and lawsuits do happen, a personal umbrella policy may be what you need.

You sit on boards of directors or do volunteer work or drive around other kids to practice.

Continue Reading…