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Spring Showers: Why You Need Personal Umbrella Insurance

young man holding an umbrella in the rain while looking at his phone

Personal umbrella insurance is an additional layer of liability coverage that goes beyond the limits of your standard home or auto insurance policy. It provides extra protection if you are sued for damages exceeding the limits of your primary insurance policies. Here’s why you should consider adding a personal umbrella policy to your insurance portfolio:

Protection Against Liability Risks

Spring brings blooming flowers and unpredictable weather, including heavy rain and thunderstorms. These weather events increase the risk of accidents and liability claims. Personal umbrella insurance can provide coverage for various liability risks, including:

  • Auto Accidents: If you’re involved in a car accident where you’re at fault and the damages exceed your auto insurance limits, a personal umbrella policy can help cover the additional costs, such as medical expenses and property damage.
  • Property Damage: Accidentally causing damage to someone else’s property, such as a neighbor’s fence or a parked car, could lead to costly liability claims. Personal umbrella insurance can provide additional coverage beyond what your homeowner’s insurance policy offers.
  • Personal Injury Claims: If someone is injured on your property or due to your actions, you could be held liable for their medical expenses, lost wages, and pain and suffering. A personal umbrella policy can offer increased protection against personal injury claims.

Benefits of Personal Umbrella Insurance

Adding a personal umbrella policy to your insurance coverage offers several benefits, including:

  • Increased Liability Coverage: Personal umbrella insurance typically provides coverage in increments of $1 million or more, significantly boosting your liability protection. This extra coverage can help safeguard your assets and future earnings in the event of a lawsuit.
  • Broader Coverage: Unlike standard insurance policies with specific exclusions, personal umbrella insurance offers broader coverage, filling the gaps in your existing coverage for a more comprehensive range of situations.
  • Peace of Mind: Knowing you have extra protection in place can give you peace of mind, especially during the unpredictable spring weather when accidents are more likely to occur. With a personal umbrella policy, you can face potential liabilities with confidence.

Why You Need Personal Umbrella Insurance

Consider these scenarios where personal umbrella insurance could prove invaluable:

  • Serious Auto Accident: If you cause a severe auto accident resulting in extensive injuries or fatalities, the medical expenses and legal fees could far exceed your auto insurance limits. A personal umbrella policy can help cover these expenses.
  • Dog Bite Liability: If your dog bites someone and the victim sues you for medical expenses and damages, a personal umbrella policy can provide additional coverage beyond what your homeowner’s insurance policy offers.
  • Accidental Injury on Your Property: If a guest slips and falls while visiting your home, resulting in a serious injury and a lawsuit, personal umbrella insurance can help protect your assets from being at risk in a legal settlement.

Our agents can help you understand the benefits of personal umbrella insurance and find the right policy to fit your needs. Contact your local agent today to discuss how adding a personal umbrella policy can provide extra protection and peace of mind. Don’t let spring showers catch you off guard – let us help you stay prepared.

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