Umbrella coverage can help protect you against personal liabilities that could impact a substantial portion of your assets or future earnings.
Umbrella Protection Provides:
Extended Liability Protection in the Form of Higher Coverage Limits
Coverage for Most Types of Accidents
Coverage for Legal Defense Fees
If you are ever sued due to an unforeseen event such as a tragic accident in which you are held responsible for damages or bodily injuries, do you have enough insurance to fully protect your assets? Umbrella insurance provides an extra layer of protection that kicks in when the limits of your home and auto policies are exhausted.
In most cases, an umbrella policy is relatively affordable. A small premium could help prevent a large adverse impact to your financial standing.
We strongly recommend that individuals and families with any of the following characteristics consider this important coverage:
Own Your Home
Have Secondary or Vacation Property
Own a Vehicle
Have a Swimming Pool or Hot Tub on Premises
Have a Family with Teenagers
Entertain Others in Your Home
Own Recreational Vehicles
Own Boats or other Watercraft
Are a Pet Owner
Serve on Profit or Nonprofit Boards
Own a Rental Property
How Much Coverage is Enough?
While buying enough liability to protect your total assets is a good start, it may not be enough. A court could award damages in excess of net worth and attach future earnings. It is important to look at your own risk factors and the relative low cost of buying higher limits.
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