Cover Yourself With a Personal Umbrella Insurance Policy

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Family protection

Protection Provided by An Umbrella Insurance Policy

Just like an umbrella is meant to protect you from inclement weather, a personal umbrella insurance policy will provide coverage for any unforeseen perils. While you may think that you have plenty of insurance coverage with your existing personal insurance policies, it may not be enough. Investing in a personal umbrella insurance policy is the best way to ensure that you and all of your assets are safe.

All insurance policies have a limit on the amount of liability coverage that they will provide. An umbrella insurance policy will provide extra liability that goes beyond the liability provided by your other policies. The protection that comes with an umbrella insurance policy will not “kick in” until the liability portion of your other policies run out, to ensure that you are covered from any situation.

A personal umbrella insurance policy will provide coverage for many common situations, including:

  • If your dog bites someone – your homeowner’s insurance policy will provide liability coverage after your dog bites someone. However, depending on how severe the bite is it could end up costing thousands of dollars in medical bills. A personal umbrella insurance policy will provide the extra protection needed to ensure that you do not have to pay for the bills out of your own pocket.
  • If a visitor has an accident – if you invite a few friends over, and one slips on your stairs, it could easily end with a broken arm or leg. Your personal umbrella insurance policy will provide coverage for the medical bills, as well as any legal costs if your friend chooses to sue you.

Contact the insurance experts at Agers Insurance Services in Oakley, California for all of your personal umbrella insurance needs throughout Northern California, to ensure that you are protected from any peril.