--- title: California Home Insurance Agency providing CA Home, Auto, Apartment Insurance to Los Angeles, Orange County & Ventura County California | Personal Umbrella description: Personal Umbrella | --- [![logo](https://www.sutherland-scherff.com/hs-fs/file-2124776912-png/image/logo.png)](https://www.sutherland-scherff.com/) [![Facebook](https://www.sutherland-scherff.com/hs-fs/file-2124776847-png/image/f.png)](http://www.facebook.com/pages/Sutherland-Scherff+Insurance+Services,+Inc./259814816749)[![Twitter](https://www.sutherland-scherff.com/hs-fs/file-2123924931-png/image/t.png)](http://www.twitter.com/SutherlandIns)[![YouTube](https://www.sutherland-scherff.com/hs-fs/file-2124776862-png/image/y.png)](http://www.youtube.com/user/SutherlandIns)(888) 400-1133 # The Insurance Family Blog ## [Are You Smart with Your Smartphone?](https://www.sutherland-scherff.com/blog/are-you-smart-with-your-smartphone) Posted by [Diana Scherff](https://www.sutherland-scherff.com/blog/author/diana-scherff) on November 13, 2015 at 3:59 PM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hubfs/DTTSP_678.jpeg) ](https://www.sutherland-scherff.com/blog/are-you-smart-with-your-smartphone) A Dallas insurance professional was recently mugged in broad daylight at a Dallas Area Rapid Transit station. As he was checking his iPhone for messages, two teenagers ran up to him, grabbed his brand-new phone, knocked him over, and sprinted away. He had 12 stitches on his face and 7 on his arm. His knee was also severely bruised. A Dallas police officer told him that they field 2-3 incidents like this per day. A 48-year-old Dallas woman was looking at her cell phone as she began to cross the street a couple of [Read More](https://www.sutherland-scherff.com/blog/are-you-smart-with-your-smartphone) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/are-you-smart-with-your-smartphone#comments-listing) Topics: [Personal Umbrella](https://www.sutherland-scherff.com/blog/topic/personal-umbrella), [Personal Property Insurance](https://www.sutherland-scherff.com/blog/topic/personal-property-insurance), [Personal Liability](https://www.sutherland-scherff.com/blog/topic/personal-liability), [Identity Theft Insurance](https://www.sutherland-scherff.com/blog/topic/identity-theft-insurance) ## [Does Your Hobby or Home Business Require Extra Insurance?– Part One](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on November 7, 2011 at 10:01 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462026-jpg/images/books-resized-600.jpg) ](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One) ##### (Please also see our blog post Part 2 for this same topic.) Did you know that your hobby may significantly affect your personal insurance needs? Hobbies often require a large investment in tangible property and may even create some legal responsibility to other persons or their property.  [Read More](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/71799/Does-Your-Hobby-or-Home-Business-Require-Extra-Insurance-Part-One#comments-listing) Topics: [Insurance](https://www.sutherland-scherff.com/blog/topic/insurance), [Property Insurance](https://www.sutherland-scherff.com/blog/topic/property-insurance), [Personal Umbrella](https://www.sutherland-scherff.com/blog/topic/personal-umbrella), [Personal Property Insurance](https://www.sutherland-scherff.com/blog/topic/personal-property-insurance) ## [Is Your Dog Covered Under Your CA Homeowners Insurance?](https://www.sutherland-scherff.com/blog/bid/34978/Is-Your-Dog-Covered-Under-Your-CA-Homeowners-Insurance) Posted by [Susie Scherff](https://www.sutherland-scherff.com/blog/author/susie-scherff) on January 7, 2011 at 11:33 AM - [Tweet](https://twitter.com/share) [![](https://www.sutherland-scherff.com/hs-fs/file-13462180-jpg/images/c--users-owner-pictures-dogs3-resized-600.jpg) ](https://www.sutherland-scherff.com/blog/bid/34978/Is-Your-Dog-Covered-Under-Your-CA-Homeowners-Insurance) Sometimes even good dogs bite. And when they do, you can be held liable.  All dog owners need to understand their potential liability should their animal bite, maul or, heaven forbid, kill someone.  A single bite could cost you tens of thousands of dollars - a lawsuit hundreds of thousands - and your insurance coverage might not apply.  Consider these claims: [Read More](https://www.sutherland-scherff.com/blog/bid/34978/Is-Your-Dog-Covered-Under-Your-CA-Homeowners-Insurance) 0 Comments [Click here to read/write comments](https://www.sutherland-scherff.com/blog/bid/34978/Is-Your-Dog-Covered-Under-Your-CA-Homeowners-Insurance#comments-listing) Topics: [Homeowners Insurance](https://www.sutherland-scherff.com/blog/topic/homeowners-insurance), [Personal Umbrella](https://www.sutherland-scherff.com/blog/topic/personal-umbrella), [Personal Liability](https://www.sutherland-scherff.com/blog/topic/personal-liability) [All posts](https://www.sutherland-scherff.com/blog/all) ### **Subscribe** To Our Blog ### Most Popular Posts ### Browse by Tag - 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