Whether you own, rent, or rent to others, insuring your property can help protect you financially if you suffer a loss due to fire, theft, vandalism or other covered events. It can also cover you in the event someone is injured while on your property and wins a legal judgment against you.
There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers to name a few.
We would love to help explain coverages you should have a say in!
An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk for being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, vandalism, slander and invasion of privacy. An umbrella insurance policy is very helpful when the insurance owner is sued and the dollar limit of the original policy has been exhausted. The added coverage provided by liability insurance is most useful to individuals who own a lot of assets or very expensive assets and are at significant risk for being sued.