Umbrella Insurance
What is umbrella insurance?
You never know when it might rain. So, just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseable mishaps. Often when it rains, it pours!
Yes, your existing insurance may offer you protection to an extent, but an umbrella policy goes much further for less cost than upping the limits on your existing policy because it provides coverage for different types of risks.
In most cases umbrella insurance protects you from:
- Injuries you cause in a car accident
- Injuries someone suffers on your property
- Property damage you cause in an accident
- Property damage your pet causes
- Property damage a dependent or child causes
- Attorney fees and other legal costs
Umbrella insurance is also portable, in most cases, so it can follow you when and wherever you travel. It does not cover your own medical expenses or losses to your property.
Since the terms of umbrella insurance policies will vary, depending on insurance companies and your own personal needs, a qualified insurance agent from our firm is the best person with whom to discuss the benefits, restrictions, and coverage from each carrier.