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Do I Need Excess Liability Coverage? Don’t End Up Like Mary and John!

John and Mary live in a nice five bedroom home located in California.  They’ve lived in their three thousand square foot home for twenty five years and are retired.  Their home is paid for and worth about $900,000.  They live off their retirement and have hardly no bills to pay.  John and Mary have always had a homeowners policy to cover their home in case of fire, theft or other potential losses involving their home.  Mary is age 75 and John is age 72.  They hope to someday leave their home to their adult children.


On a nice spring day, Mary went to run some errands in her vehicle around her neighborhood.  She pulled into the parking lot of her local grocery store.  For some reason, after Mary parked her car , her foot slipped off the brake and hit the accelerator instead.  Mary’s car went through the wall of the grocery store. Her vehicle continued through the wall of the store and she collided into two pedestrians who were standing in line with their grocery carts.

Both of the ped…

Divorce and Health Insurance Benefits

Divorce causes major issues with health insurance benefits.  Many families have employer provided and/or paid for health insurance benefits that cover the entire family.  It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost.  After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent.  They are no longer "family" members who can take advantage of one health insurance policy.  How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.


If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional c…