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What is Umbrella Insurance?
Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.
Why do I need Umbrella Insurance in Washington?
You have a momentary distraction while driving. Even the best driver may cause an accident with serious injuries and property damage.
Your swimming pool attracts both invited and uninvited guests, regardless of the tallest fence or the most thorough precautions.
Your teenager, while driving friends to a school event, is involved in a major accident.
You injure a water skier while boating.
A blogger writes something bad about a company and gets sued for defamation.
A man was asked to cut down a tree from his own yard. He refused, and later a hurricane blew the tree down and injured someone in the neighboring house.
Your child gets in a fight at school, and injures another student.
Your dog bites someone.
You have a pool, and a visitor hurts themselves.
A handyman or contractor hurts themselves on your property.
What does Umbrella Insurance cover for Washington Citizens?
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 Blue Horizon Insurance & Financial Services today for more information on umbrella policies and get a free online quote!
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