Trust HIG to Insure Your Personal Liability Umbrella
You are exposed to a lawsuit every day and HIG can help advise you how to protect yourself and assets from lawsuits. An Umbrella Policy is inexpensive and can blanket your risk exposure for you and your family.
Personal Liability Umbrella Insurance Policy Covers
An Umbrella policy typically is an umbrella liability protection over all your policies such as auto, home, motorcycle and or just your exposure bumping into someone with a grocery cart.
An Umbrella policy is a peace of mind if you are ever sued for bodily injury or property damage to others
Also, included would be UMC Uninsured Motorist Coverage that protects you from others that are underinsured or not insured
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What Does Personal Umbrella Insurance Cover?
Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.
Why Should You Purchase Umbrella Insurance?
You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future. Contact HIG Insurance Group today for more information on umbrella policies and get a free online quote!