Most people overlook umbrella coverage but after medical costs, lawsuits, and other expenses, one serious accident can put everything a family owns at risk. A true umbrella policy covers incidents ranging from international car accidents to unexpected dog bites. We offer coverage in the base policy that other policies often don’t, including internet libel, personal defense, use of boats, ATVs, and more.

What Is Umbrella Insurance?

Think of umbrella insurance as an extra layer of insurance. It kicks in once your existing insurance policies are maxed out. It provides property damage, lawsuit, personal liability, and injury coverage.

For example, if you are involved in a car accident and are found to be at fault, your auto insurance may cover damages up to a certain amount, but if the damages exceed this amount, you could be personally responsible for paying the remainder. Umbrella insurance can provide additional protection to cover these excess costs.

Umbrella insurance can also provide liability protection for personal injury or property damage that is not covered by your other insurance policies. For example, if someone is injured on your property and decides to sue you for damages, your homeowners insurance may not cover all of the costs. Umbrella insurance can provide additional protection to help cover these costs.

What Does Umbrella Insurance Cover?

Umbrella insurance provides additional liability protection above and beyond the limits of your regular insurance policies, such as your auto insurance or your homeowners insurance. Here are some specific things that umbrella insurance may cover:

• Excess damages: If you are involved in a car accident and are found to be at fault, your auto insurance may cover damages up to a certain amount, but if the damages exceed this amount, you could be personally responsible for paying the remainder. Umbrella insurance can provide additional protection to cover these excess costs.
• Personal injury or property damage: If someone is injured on your property and decides to sue you for damages, your homeowners insurance may not cover all of the costs. Umbrella insurance can provide additional protection to help cover these costs.
• Defamation, libel, or slander: Umbrella insurance can provide protection if you are sued for defamation, libel, or slander, which are types of personal injury claims.
• Damage to property: Umbrella insurance can cover damages to property that are not covered by your other insurance policies, such as fences, sheds, or detached garages.

Why Should I Get Umbrella Insurance?

Umbrella insurance should be viewed as an extra layer of protection. It is an inexpensive insurance policy that helps to fill in the gaps in your insurance coverage. The best approach is to buy umbrella insurance from the same insurance provider that gave you your home and auto insurance. This ensures they help fill in the gaps in coverage as they thoroughly know what your standard insurance policies cover – and as a bonus, discounts are available when you bundle your insurance policies.

Umbrella insurance is a good option for people who have significant assets or a high net worth, as they may be more at risk for liability claims and lawsuits. Umbrella insurance can provide additional protection to help cover the costs of these claims and lawsuits.

Umbrella insurance is also a good option for people who want additional liability protection beyond what their regular insurance policies provide. For example, if you have a high-risk job or engage in activities that could increase your liability risks, such as owning a swimming pool or hosting large events, umbrella insurance can provide extra protection.

Overall, umbrella insurance is a good option for people who want additional liability protection and want to protect themselves against major financial losses due to liability claims and lawsuits. It is relatively inexpensive and can give you peace of mind and security.

Bundle and Save with United Benefits

A United Benefits Specialist will compare rates to help you find the best coverage for you and your family. We provide competitively priced umbrella policies that fit your needs and budget. Get in touch by filling out the form.