Umbrella insurance is coverage that gives extra protection beyond what other normal coverages provide. It can provide coverage for personal liability cases, libel, slander, and property damage, among many other situations.
How Does Umbrella Insurance Work?
Umbrella insurance provides protection when other coverages are exhausted. It also covers liabilities excluded from other liability coverages, i.e., slander, false imprisonment, and rent default. You’re also likely to get coverage against an invasion of privacy and wrongful entry.
As you can tell from these examples, umbrella insurance is not just for the policyholder but other parties such as family members. For instance, if your teenager is driving your car, you can sleep tight knowing that umbrella insurance has you covered no matter what happens. However, you need to understand who this policy considers a family member.
One more thing about this insurance policy is that it doesn’t have to be your property or vehicle for it to provide cover.
If you’re in Braselton, GA, Harmony Insurance is ready to help you understand umbrella insurance.
What Does Umbrella Insurance Cover?
As stated, umbrella insurance provides coverage beyond the limits of other insurance policies. Generally, it will cover injuries, some lawsuits, personal liability, and property damage.
You might think— but I have auto insurance that covers all the above. While you might think so, you’ll find out that your auto insurance has some limits. This is where umbrella insurance comes in. It provides coverage beyond what is covered by your normal auto insurance.
Get Extra Protection with Umbrella Insurance
Even the most careful people find themselves at fault for certain liabilities. While it might be simple to assume you can never be in such a situation, the smart move you can make is to protect yourself from the unknown. And umbrella insurance is ready to do that for you.
Would you like to get umbrella insurance in Braselton, GA? Get in touch with Harmony Insurance for assistance.