Life can get busy when your family splits their time between homes. Spending winters in Jacksonville, FL, and summers up north can put some strain on your life. But it’s not just the moving between homes; it’s the hidden liability traps that are often overlooked. That’s where umbrella insurance from 925 Partners jumps in, providing year-round protection that travels with you.

How Snowbird Life Creates Extra Risks

Owning multiple homes is great, but it also means more opportunities for unexpected accidents. A slip on an icy walkway up north, or a boating mishap back in Jacksonville, FL, could easily eat up the limits of your standard homeowners or auto policy. Umbrella insurance is designed to cover these hidden gaps. It extends your protection to include legal costs and damages that are often excluded from your standard policies. This ensures that one incident doesn’t end your financial well-being or stability.

What Your Umbrella Policy Should Cover

Before you think about umbrella coverage, you need to understand which gaps your current insurance has. Our experts at 925 Partners understand the challenges that come with a seasonal lifestyle and will guide you to a solution that fits your lifestyle:

Injuries or property damage that you or your family members cause, anywhere in the U.S.
Accidents involving rental cars, boats, or even vacation homes
Liability risks tied to short-term rentals or guests

And the best part? This broader coverage keeps you protected across state lines, no matter where you spend the season.

Protect Your Lifestyle, Not Just Your Assets

Your snowbird routine is supposed to bring you freedom, not financial worries. Adding umbrella insurance through 925 partners will give you the peace of mind to enjoy every home, trip and sunny adventure without having to wonder about what-ifs.

Contact 925 Partners, serving Jacksonville, FL, to learn how umbrella insurance can keep your year-round adventures worry-free.

Umbrella coverage is a form of liability insurance. It provides protection for the policyholder when an incident occurs involving their home or vehicle that is not covered by their standard homeowner’s or auto policy. Residents of Jacksonville, FL, can utilize this type of coverage to safeguard their property and individuals on that property from personal injury or damage claims. Many of our clients at 925 Partners believe they don’t require umbrella coverage. However, there are numerous situations where it may be necessary, including the following:

1. Babysitting

Do you or your children babysit others’ kids? If a child gets injured while under your supervision or on your property, you could be responsible for a substantial medical bill. This is generally not covered by a traditional homeowner’s policy. Umbrella coverage can provide protection for you and the children you care for in your home.

2. Owning a Deck

It’s surprising how many people get injured while enjoying time on a friend’s back deck. Have you checked your home coverage to see if you’re protected against your deck collapsing or someone falling off during a festive gathering? If you’re not covered, umbrella coverage can provide the necessary protection.

3. Legal Suits

Certain types of umbrella coverage protect you against lawsuits. For instance, if you’re sued for slander or defamation, umbrella coverage can provide protection. It can also protect your children if they’re sued for an incident that occurs at school. If you’re concerned about potential lawsuits, umbrella coverage is a wise choice.

At 925 Partners, we specialize in crafting umbrella policies that provide comprehensive protection for our clients in Jacksonville, FL, against any incidents that occur to them or on their property. If you’re interested in comprehensive coverage, contact us today for more information.