Umbrella InsuranceMake sure you are completely covered with a liability umbrella policy from McGraw Insurance Services. Umbrella insurance is designed to give you added liability protection above and beyond the limits on homeowners and auto personal insurance policies. It’s an unfortunate fact that accidents happen — and it’s not uncommon for jury awards and out-of court settlements to run into the millions. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? For example, what if:
If you are found to be legally responsible for injuring someone or damaging their property, without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, renters, auto, and watercraft policies. Like an umbrella that protects you from the rain, a personal Umbrella Liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted. How Much Coverage Do I Need? You’ll want to take into consideration not only your total personal assets but also your potential personal risks. For example, do you operate a business in your home and have employees and clients to your home on a regular basis? Does your profession or location of your home make you an easy target for a big settlement? Determine your personal risks to evaluate the amount of additional liability coverage that makes the most sense for you. Coverages start at $1 million, and go as high as $5 million. When considering the value of the umbrella policy, discuss your personal needs with McGraw Insurance Services. Having the added protection of a liability umbrella policy is coverage you should never be without. See how affordable this extra layer of protection can be with a free quote from McGraw Insurance Services! Call us at 850-476-3745 to speak to an agent today. Click to get your free, no obligation:
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