Umbrella Insurance
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As a mature motorist, a responsible homeowner—and, perhaps, a conscientious boat owner—you carry proper insurance coverages to protect yourself and your family. You might even be insured to the max. You feel ready for whatever life throws at you.
But is that really the case?
When the Standard Coverage Falls Short
The simple, unpleasant reality of standard insurance coverage is this: Standard policies might provide sufficient coverage for you and your family against an excessive liability claim. If you were judged legally liable in a lawsuit against you, a single event could quickly deplete your standard coverages. What do you then?
You pay the remainder—or declare bankruptcy.
What Does Umbrella Insurance Cover?
Personal umbrella insurance can serve as a supplement to all of these:
- Homeowner’s policies
- Auto policies
- Motorcycle policies
- Boat & watercraft policies
- More
When Do I Need Umbrella Insurance
If you were sued for damages by a guest in your home who suffered an injury, a legal judgement against you could exceed the insured amount on your home policy for this type of event. It’s the same story for standard car insurance if another driver, other passengers, or even your own passengers were injured in a wreck in which you were the driver. The same goes for boat/watercraft insurance.
What is the Remedy for Payout Shortfalls?
A proper personal umbrella insurance policy from Asset Insurance can help prevent payout shortfalls. If you face a worst-case scenario and your standard policies come up short, an umbrella policy would start paying once standard insurance is exhausted. Umbrella policies can provide numerous supplementary coverages. Some of those coverages might even be excluded from a standard policy.
Contact Asset Insurance for A Free Umbrella Insurance Quote
Asset Insurance offers free, comparative quotes on Umbrella insurance from multiple insurance carriers, assuring you of the best possible rates. Want to see how much we can save you? For a free online Umbrella insurance quote, call Asset Insurance today at 850-255-6000 or fill out this simple form!