Personal umbrella insurance (commonly referred to as an umbrella policy) provides you with additional liability insurance above and beyond your normal auto and homeowners policies. Umbrella insurance is designed to protect your assets if you’re ever faced with a claim or lawsuit that exceeds the limits of these policies.
Do you have enough liability coverage to protect your assets if a large claim or lawsuit is brought against you? Not sure? Answer these questions to see:
Do you own a home, condo, or rental property?
Is there a teenage driver in your family?
Do you have a swimming pool?
Do you have babysitters or cleaning people who work in your home?
Do you transport other people’s children in your car?
Do you have a dog?
If you answered yes to any of these questions, you may be at risk and should consider umbrella insurance.
For example, if a visitor to your home slips and falls causing a disabling injury, you could be liable for damages beyond the coverage on your home policy. Without an Umbrella policy, you would be personally responsible for claims exceeding your home coverage limits.
Brian Wyatt
213-8864
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