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701 Riverside Park Place
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Featured Insurance Blog

Umbrella Insurance Takes Over Where Other Policies Leave Off

Did you know that you can buy extra insurance protection beyond the limits of your existing policies? It is called umbrella insurance, and it provides an extra layer of security where other policies stop. The insurance professionals at 925 Partners can provide this additional coverage. They serve Jacksonville, FL, and the surrounding area.

Umbrella insurance is also called excess liability insurance. For example, suppose a policyholder is sued for damages over their existing insurance policies, such as a car or home. In that case, the umbrella policy will help to pay for what is remaining.

This protection can be invaluable if you happen to be someone who has accumulated wealth. If you have private staff, such as nannies, cooks, housekeepers, or gardeners, to help you maintain your home, their employment can increase your risk of lawsuits.

You could be left with costly out-of-pocket costs that could be avoided with umbrella coverage if you or a family member are injured due to another’s negligence, such as a dog bite or car accident.

You have a lot to lose. Umbrella coverage is vital as it helps maintain adequate limits of personal excess liability coverage to protect your finances.

Do you wonder if you need umbrella insurance? Although this extra coverage would be helpful for anyone, if you have a net worth in excess of $500,000, this coverage would be for you. The more you have, the more you stand to lose. In a lawsuit, a regular car or home insurance policy, in all likelihood, will not provide enough liability coverage. This would mean you risk losing your home or draining your savings needlessly.

For that extra layer of protection, umbrella insurance can provide the peace of mind that is so important these days when lawsuits are commonplace. For a quote or answers to your questions, contact the professionals at 925 Partners Insurance today.


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