Are you sure that your personal insurance liability limits are high enough to protect you should something happen? If you have an auto accident, is your $50K liability limit going to cover that Bentley that you just totaled?
The reality is, you never know when you are going to need to protect yourself beyond the limits you have agreed to in your insurance policies. But, how do you fix that? Do you up the coverage with every policy you have – homeowners, auto, boat, etc.–or is that option just too costly?
There is a solution. Umbrella insurance coverage!
Umbrella insurance give you the extra liability insurance coverage you would need to help protect you from major claims and lawsuits beyond your set liability limits. It protects your assets and your future by:
- Providing extra liability coverage that kicks in when your other policy limits have been reached for things like injuries, property damage, etc, and
- Providing coverage for claims that are excluded by other liability insurance policies like false arrest, libel, slander and liability coverage on rental units.
But, “I have insurance that covers all of these situations!” True. You might have insurance that covers all of these issues above, but umbrella insurance insures you above and beyond the liability limits of these policies. And, they cover you at rates that are probably much less than you are thinking!
So, don’t up the limits on all of your policies. Talk to a Henry Insurance Service expert today to see how we can protect you and your family against the unexpected.