
Safeguard Your Future with Personal Umbrella Insurance
What Is Personal Umbrella Insurance?
Personal Umbrella Insurance is a supplemental liability policy designed to cover gaps in your existing insurance plans. It kicks in when the liability limits of your home, auto, or other insurance policies are exceeded. With umbrella insurance, you’re safeguarded against potentially ruinous costs, including medical bills, legal fees, and damages awarded in lawsuits.
Why Do You Need Umbrella Insurance?
Accidents happen when you least expect them, and sometimes, the costs go beyond what your primary insurance can handle. Consider scenarios like:
- Auto Accidents: A car crash that results in severe injuries or property damage exceeding your auto insurance limits.
- Home Incidents: Liability from injuries sustained by a visitor on your property or a neighbor’s property damage caused by your actions.
- Lawsuits: Claims of defamation, slander, or libel.
- Recreational Accidents: Injuries or damages involving boats, ATVs, or other recreational vehicles.
Why You May need umbrella insurance
Without umbrella insurance, you could be held personally responsible for any costs that exceed your primary coverage, putting your assets and financial future at risk.
What Does an Umbrella Policy Cover?
- Bodily Injury Liability: This covers medical costs and liability claims if someone is injured due to your actions.
- Property Damage Liability: Provides coverage for damages to another person’s property.
- Personal Liability: Includes claims of slander, libel, or invasion of privacy.
- Legal Costs: Helps cover attorney fees and court expenses, even if you’re not at fault.
Affordable Peace of Mind
Despite its extensive coverage, personal umbrella insurance is surprisingly affordable. For a minimal cost, you can gain significant financial protection, ensuring your peace of mind and safeguarding your assets.
Let’s Talk About Your Protection
Protect what matters most. Contact Northern Capital Insurance Agency Services today to learn more about personal umbrella insurance or schedule a free consultation. Our team is here to provide expert guidance and tailor coverage to fit your unique needs. Don’t wait until it’s too late—secure your future today!
