With Spring showers it’s time to break out the umbrellas, but have you considered an umbrella that protects you year round? I’m talking about an umbrella insurance policy. Do you have one? Should you?
As agents we want to protect our clients the best we can so we recommend an umbrella policy. The responses we get often include mixed feelings or uncertainty. “What is that?” “Do we really need it?”
An umbrella policy provides additional liability protection above and beyond your underlying policies which may include: home, auto, RV, boat, motorcycle, motorhome, snowmobile, etc. If you are liable for severe injuries or property damage to others and you exhaust the liability limits on your home, auto, or recreational vehicle policy an umbrella provides additional coverage so you are not left to pay out of your own pocket.
Did you know an umbrella can provide coverage where your other policies may not? If you are named in a lawsuit involving libel, slander, or false arrest your umbrella can provide the coverage you need.
Life is unpredictable. An incident can happen even in our normal day to day routines and activities. If you don’t have an umbrella policy I encourage you to get a quote today! It’s not expensive, in fact on average the cost of an umbrella for a year can be less than or equal to 1-2 HOURS of an attorney’s fee. Wouldn’t you rather pay for an umbrella that can help cover your defense costs too?
As Spring rolls in and your to-do list is growing put this one at the top:
- Purchase an Umbrella Insurance Policy
Shelly Dahler, CISR
Personal Lines Agent/Marketing