One Source Insurance Brokers - Terry Peffer Insurance

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

It's the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

Get Your Home Fall-Ready Before Temperatures Drop It's the perfect time to get your home ready for fall. Clean gutters, check heating systems, seal windows, and inspect smoke detectors before colder weather arrives. A little maintenance now can help prevent bigger issues later.

Insulating your pipes, cleaning your gutters and chimney are all good projects to invest in now to prepare for winter. Follow these fall home maintenance tips and prepare your home for the coming winter months. Learn more.

Fall Home Maintenance Tips

Weather is unpredictable, but your support on the road doesn’t have to be. From dead batteries to flat tires, Roadside Assistance through Travelers helps when unexpected car trouble happens. Contact us to learn how roadside assistance coverage can help keep you moving.

Roadside Assistance

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.