ARE YOU COVERED? DO YOU HAVE THE RIGHT INSURANCE?DOES YOUR UMBRELLA HAVE A HOLE IN IT? OK… right now… I want you to get up from your computer… go over to your files… open your “INSURANCE” file… pull out your AUTO policy and your HOMEOWNER’S policy and your UMBRELLA policy.               … it’s OK… I’ll wait…  … Continue reading ARE YOU COVERED? DOES YOUR UMBRELLA HAVE A HOLE IN IT?