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Umbrella Insurance
Umbrella insurance is an extra form of insurance that provides additional protection that goes beyond the existing limits and coverage of other policies you may own. These policies may cover injuries, property damage, lawsuits, and personal liability situations. To find out what benefits you can acquire through umbrella insurance, keep reading.
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What Does Umbrella Insurance Cover?
Umbrella insurance covers claims that may not be covered by liability policies. You can generally get liability coverage for the following:
- Injuries
- Damage to property
- Lawsuits
- Personal liability problems
Who Needs Umbrella Insurance?
Even if you have home and auto insurance, umbrella insurance can provide you with an extra layer of protection that keeps you from paying too much in adverse circumstances. This type of insurance is best for people who don’t want to be liable for the cost of accidents that they are at fault in. The insurance can cover you if a serious accident occurs, if someone gets hurt on your property, and more.
You may be wondering why you need more coverage on top of your other insurance plans. Well, if you hit the limit on your plan, umbrella insurance can pay the difference. For example, if you are involved in an accident that causes $500,000 in damages, but your insurance only covers $300,000, you will be responsible for the difference. Umbrella insurance can pay that difference if you have a policy at the time of the accident.
This can be critical, especially for people who have rental properties or expensive property like boats. If you own a dog, umbrella insurance can be helpful if your dog accidentally attacks someone. If your homeowners insurance doesn’t fully cover the cost of their medical bills, your umbrella insurance will help you pay.
Get Extra Coverage
Rather safe than sorry. We suggest you purchase umbrella insurance to make sure that you have all of your bases covered. To get started with shopping for umbrella insurance, speak to a licensed insurance agent from Insured For Life. We can help you sort through your options and find a reasonable umbrella insurance policy.
