In the world of insurance, the word “umbrella” is more than just an accessory that keeps you sheltered on a rainy day. With an aptly named umbrella policy in place, you’ll be adequately protected from any proverbial storms that may come your way. Intended to help defend from large and potentially life-shattering claims, umbrella insurance is coverage that goes beyond the limits of your standard homeowners, auto or vehicle policy, protecting you when your standard coverage has been exhausted. 

So, how does it work? Let’s say you get into a car accident. Your standard insurance covers up to $250,000 in costs, but the victim in the other car has medical bills that exceed the $1 million that you’re responsible for. An umbrella policy chips in the difference so that you aren’t left paying out of pocket. Think of it as an extra layer of safeguarding designed to protect your hard-earned assets, no matter what happens. 

But what exactly does umbrella insurance cover? It covers the main bases, including bodily injury, injury to reputation, property damages, and court costs. That’s a lot! However, it’s important to mention that there are things umbrella insurance won’t cover, such as damages you make to personal property, criminal acts, flood damage, and contracted worker injuries. 

As with any coverage, it’s essential to have an action plan — that’s where we come in. Our team is available to talk you through the details so you understand what an umbrella policy will do for you and figure out how much coverage you need so that you’ll never be left exposed. 

Ready to get started? Hop on the line with one of our expert agents at 1-844-885-1600. We’re always around to help!