"Umbrellas are designed to be carried over a person's primary (also known as underlying) liability coverage. Primary refers to the fact that in the event of a loss, the liability portion of your auto or homeowner coverage is the first to respond. Umbrellas or excess liability policies respond to an eligible loss only after the primary insurance has paid its limit."

"Whether you own either a home or business in New England, this winter season will add a burden that needs your attention…..snow removal."

Making our homes cheerful and inviting with festive decorations and lighting is customary for most families. While they are awe-inspiring to look at, they come with many hazards, so we must take the proper precautions with them.  Here are 10 Tips to ensure your home is protected and your family has a happy and safe holiday.