April 2026 Newsletter

Carmen Escobar
6 days ago
2 min read

We trust you are doing well. Happy April!

April is a perfect month to review your clients'

Property and Casualty insurance.

What's an easy insurance coverage to review?

Umbrella!!

April is an ideal time to review your umbrella insurance as spring often brings

lifestyle changes—home renovations, travel plans, and increased outdoor

activity—all of which can raise liability risks. It’s also a natural checkpoint after

tax season to reassess your overall financial picture and ensure your coverage

still aligns with your assets. Rising legal costs and inflation can quietly erode the protection you thought you had, leaving gaps. A quick policy review now can

confirm limits are sufficient, identify any new exposures, and provide peace of

mind heading into the busier months ahead.

Umbrella insurance isn’t hard to qualify for, but insurers typically expect a few

baseline requirements before offering coverage. The most common ones

include:

Minimum underlying liability limits: You’ll usually need certain limits on your home and auto policies (e.g., $300K–$500K on homeowners, $250K/$500K on auto).
Clean or reasonable claims history: Frequent or severe past claims can make approval harder or more expensive.
Standard risk profile: High-risk exposures (dangerous dogs, certain properties, or risky activities) may require special review.
Number of properties/vehicles disclosed: All must be insured and meet carrier guidelines.
Credit/insurance score (in some regions): Used to assess overall risk.