Umbrella Coverage

Who should have an umbrella insurance policy? Everyone! As an agency we recommend everyone to have an umbrella policy as it protects you from huge financial losses. Those with teenage drivers, intense hobbies, pools, animals, etc. are at a higher risk for large financial losses, creating an absolute need for additional coverage.  Umbrella policies are an essential, affordable coverage option that protects your finances and livelihood. Bundling an umbrella policy with your home and auto even has the possibility of adding multi-policy discount!

See below examples of different incidents that could occur:

1. Your teenager throws a house party while you are gone, and someone gets hurt on your property. Now they are suing for damages.
2. Your friendly dog gets startled and bites the delivery driver out of fear.
3. You are driving to work early in the morning before you have had your cup of coffee. You accidentally fell asleep and ran through a red light hitting a car who is driving to drop their kids off at school.

With these examples, you do have protection with your underlying auto and home policies but once those limits are used, the remaining becomes your financial responsibility.  An umbrella policy coverage extends beyond those policy limits to save you from financial loss.

Does your family have a risk of these incidents and want to learn more about protecting yourself? Call us today to speak with our qualified agents.