That's a tricky question. An insurance mentor that I once knew always answered, "I'll let you know as you are walking out of court." Not very helpful, unless you can predict the future.
Without being a prophet, you can still remove some of the guesswork. Citizens Insurance came out with a new calculator that can help. Although they refer to it as an "umbrella calculator", you may not need to purchase an umbrella policy to get the level of coverage that you desire. An umbrella is a million dollar policy (or more) that is inexpensive and provides coverage beyond your auto and/or home policies in the event of a lawsuit. It's a great deal for the amount of coverage that you get. However, not everyone may need one. If you do not need another million dollars of coverage, you can also consider simply increasing your liability limits on your auto and home policies. We can help you decide which is the most affordable option.
Start here by checking out the Citizen's calculator and then shoot us an email with your results. We'll review it and contact you to discuss the results.
One of my favorite things that we do at Arbor is our Referral Rewards program. It's one small way we can thank our customers who refer family and friends to us for their insurance needs.
Each time a customer refers someone to Arbor, and that person completes the quote process, our customer wins. Our customer is immediately sent a $5 gift card to Tim Hortons. Then they are entered into our monthly drawing for a $25 Amazon.com gift card. Lastly, they are entered into our annual drawing for a brand new Kindle Fire tablet.
In 2017, Peter from Dexter won a 64 GB Fire HD 10 tablet, with Alexa hands-free function! In 2018, we will be giving away a similar model.
Each completed referral adds the customer's name to the drawings and earns a gift card to Tim Hortons.
Referring is easy...visit our Referral Rewards page for the details!