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Umbrella insuranceBefore we decide how necessary umbrella insurance is for you, let’s talk about what an umbrella policy actually is. If you have home or auto insurance you already have some level of liability insurance. Umbrella insurance provides additional liability for claims exceeding your existing auto or home insurance policies. It can help pay for any damages or injuries you may be personally liable for causing, for example: a guest slips on ice on your driveway; car accidents; your child’s friend breaks an arm or leg while on your trampoline.

You may be wondering why umbrella insurance is so important since many of these things are usually covered under your car or home insurance policies. However, we live in a litigious society. What happens when a lawsuit stems from one of these incidents? Can you afford to pay for your legal fees and court fees should you face a lawsuit? Umbrella insurance will provide coverage beyond the limits of your home and car insurance policies and is designed to take affect when those claims are exhausted.

Umbrella insurance protects your assets, just like any other insurance policy. In the event of a serious loss adding an umbrella policy can help alleviate financial burden. It will make sure you are not left paying costly bills and fees out of pocket. It covers injuries, damage to property, lawsuits and other personal liability situations that are outside the limits of your personal insurance policies.

By talking to one of our agents you can get the help required to assess your risks and your need for additional liability coverage offered by a personal umbrella policy. Our agents are always available to answer any questions you may have, and suggest umbrella policy options that work best for you. Contact us today!

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Ruston, LA 71720
Office: 318-251-1212
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