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What is umbrella insurance?
Personal umbrella insurance is a form of coverage that provides additional liability protection beyond the limits of existing personal insurance policies, such as homeowners, auto, or renters insurance. It acts as a safety net, offering an extra layer of financial protection against unexpected and significant liability claims. One of the primary benefits of personal umbrella insurance is its extensive coverage. It provides liability protection for a wide range of situations, including bodily injury, property damage, and personal injury claims. This coverage extends beyond the limits of the underlying policies, ensuring that individuals are adequately protected in the event of a costly lawsuit or claim.
Personal umbrella insurance covers various liability risks that may arise in everyday life. It protects against claims resulting from accidents, injuries, or property damage caused by the insured individual’s actions. This can include situations such as a slip and fall accident on your property, a car accident where you are found at fault, or a dog bite incident. Additionally, personal umbrella insurance may offer coverage for certain types of claims that primary policies might not include or have limited coverage for, such as libel, slander, or defamation. The comprehensive nature of personal umbrella insurance ensures that individuals have an extra layer of protection to safeguard their assets and future earnings.
What does umbrella insurance cover?
Furthermore, personal umbrella insurance provides global coverage, meaning it can protect individuals worldwide, not just within their home country. This is particularly beneficial for individuals who frequently travel internationally or own property abroad. Whether it’s a liability claim that occurs at home or overseas, personal umbrella insurance can provide the necessary coverage to handle the financial costs associated with legal defense, settlements, or judgments. This global coverage offers individuals the peace of mind to enjoy their personal and professional endeavors without the constant worry of potential liability risks.
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For example, if your auto policy covers liability up to $500,000 but you cause an accident that leaves the other driver with medical bills of $600,000, your main policy will pay out in full, and the umbrella insurance policy will kick in for the remaining $100,000.
The umbrella insurance policy itself will have its own limit, but this is less likely to be an issue. An umbrella insurance policy can be cheaper than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to pay out.
Talk with us about adding a cost-effective umbrella insurance policy to your account. It’s easy and provides the additional protection needed to protect you and your family.