Everyone Could Use Coverage From A Good Umbrella
Umbrella insurance has a catchy name that has been used by insurance companies for years to create memorable marketing pieces. Perhaps you have seen a clever umbrella insurance commercial, or you have seen umbrellas with insurance company names on them and a catchy marketing message. But what is umbrella insurance and who needs it? Our experts can help you wade through the confusing world of umbrella insurance and get you into a policy that protects you and your family.
What Is Umbrella Insurance?
Umbrella insurance is liability insurance that enhances the insurance that you already have. It helps to protect you from financial dangers such as:
- Lawsuits
- Storm Damage
- Theft
- Bodily Injury
Your homeowners and auto insurance policies already have liability coverage incorporated in them that protects you from certain events. Umbrella insurance adds more financial coverage to those policies and expands what kinds of events you are protected from.
Why Would I Need Umbrella Insurance?
There are some situations where umbrella insurance is something that we would consider almost mandatory. For example, if you are a landlord who rents out properties to tenants, then you need umbrella insurance to protect yourself. If you have children, then you just never know what kind of damage your children may cause. In many cases, your existing insurance is not enough to cover the damage your children do, that is why you need umbrella insurance.
How Much Umbrella Insurance Do I Need?
Our insurance professionals treat each umbrella insurance case individually, because no two cases are the same. The amount and kind of umbrella insurance you need depends solely on:
- Your existing insurance
- Your real risks
- Your potential for loss
This is why it is important to work with a comprehensive risk assessment company such as ours for your umbrella insurance. Our associates are experts at looking over your situation and determining the real risks you face and the financial exposure you have. We will put together an umbrella coverage plan that will protect you and your family in case of just about any emergency.
Umbrella Insurance Protects You From Lawsuits
Your homeowners insurance can, in some ways, protect you from the financial damage that comes with lawsuits. But when you read the types of lawsuits your homeowners insurance protects you from, you start to realize just how limiting that list really is.
We will put together an umbrella insurance policy that protects you from lawsuits regarding:
- Slander
- False arrest
- Libel
- Mental anguish
- False detention or imprisonment
You would be surprised as to what people can sue you for these days, even when you have the best of intentions. Our professionals are not surprised at the risks that you face and that is why we want to put together an umbrella insurance policy that protects you from unnecessary exposure.
The world is a crazy place and insurance can help you to cope with the craziness. But what do you do when your insurance leaves you out to dry? With umbrella insurance, you are always covered and always protected from the unpredictable nature of the human race. Let one of our professionals sit down with you and explain to you just how much umbrella insurance can help protect your world. It is a small investment for major peace of mind.