Accidents Happen. So Do Lawsuits!
What if you or a household family member caused a serious accident, a guest fell down your front steps, or your tee shot put another golfer in the hospital? You could be liable for medical expenses or face a lawsuit that could cost you hundreds of thousands of dollars. Maybe millions! If you’re not protected by umbrella insurance, the financial consequences of such a disaster would be crippling.
An umbrella policy will pick up where your homeowner’s, auto, motorcycle, or watercraft (boat) insurance ends. It backs you up on big liability claims if there are serious injuries or major damages, and covers the legal, defense, and court fees. With lawsuits becoming more and more common and awards reaching astronomical amounts, you can’t afford not to be adequately protected.
Umbrella policies are surprisingly affordable, and add immeasurably to the value of your home, auto, motorcycle, and boat insurance. You may never need to use yours. But just like a regular umbrella, you don’t want to be caught without it when a storm cloud opens.