Who Needs An Umbrella Policy?

Everyone should consider purchasing umbrella coverage. 

Accidents can happen to anyone and sometimes lawsuits follow. Your home and auto insurance will help protect you if you have a covered loss, up to your policy limits. But, what if your legal liability exceeds your policy limits? This is where an umbrella policy comes in. 

If you exhaust the liability limit of, say, your auto policy after an accident, your umbrella policy will protect you from paying out of pocket, up to the policy limit.

Here are a few thing to keep in mind when trying to decide if an umbrella policy would be beneficial for you.  Do you:

• Have high savings or assets
• Serve on a board
• Own a business
• Have a dog
• Coach youth
• Have a teenage driver
• Own rental properties
• Use a drone
• Have a swimming pool, trampoline, or zip line

If you answered "yes" to any of the above, you may need an umbrella policy.

If you are interested in a quote for an umbrella policy or would like additional information, please give us a call at 800-255-1243!