When it comes to umbrella insurance, think of it as a shield. But don’t be over-excited by the term ‘umbrella’ and think it’s all you need for protection. You’re still going to want to have auto insurance, health insurance, and life insurance. An umbrella policy is just an additional layer of protection on top of those other policies.
At Focus Insurance in Eureka, MO, we work with the best agents to help you choose the right policy and ensure you understand what areas your umbrella insurance can cover.
What Does an Umbrella Insurance Cover?
An umbrella insurance policy is designed to cover you for liability claims that exceed the limits of your other policies. So, if you’re involved in a car accident and the other driver sues you, your auto insurance will pay up to its limit, and your umbrella policy will kick in to cover the rest.
Other things that umbrella insurance covers include:
- Damages caused by a guest at your home
- Injuries caused by your pet
- Libel or slander
- False arrest
- Legal defense costs
An umbrella policy can also cover you for claims that your other policies might not cover. For instance, if you’re sued for causing an accident while on vacation, your auto insurance might not cover the claim since it occurred outside of the coverage area. But, your umbrella policy would most likely provide coverage.
So, an umbrella policy can provide extra protection if you’re worried about being sued. If you’re in the Eureka, MO area, contact Focus Insurance to learn more about Umbrella insurance and how it can help with your lawsuit and other areas.