Pool? Trampoline? Pets? Why YOU may need an umbrella policy.

As an independent insurance agency, we strive to bring you information to keep you protected in any event.  You may have heard of umbrella policies and may be wondering how they can benefit you.  Below, is some information about the policy from insurance.com.

Who needs an umbrella policy?
"If you own a swimming pool, hot tub, trampoline, swing set, or even pets, it would be a good idea to consider getting an umbrella policy. If you don't regularly have people over, and your pooch couldn't hurt a fly, it may not be that important. However, if you generally have guests over and your dog tends to snap or bite people, then purchasing an umbrella policy might be a wise idea."


What does a personal liability umbrella policy protect?
"When you buy a personal liability umbrella policy, you are buying a broader insurance coverage range with higher liability limits. Primary policies generally cover bodily injury and property damage, but with personal liability umbrella policy coverage, you can include personal injury, property damage or bodily injury-which may be caused by you, your pets, or your dependents. Along with a personal injury protection, you may be covered in the unfortunate event of:"

• False arrest
• False imprisonment
• Defamation
• Invasion of privacy
• Malicious prosecution
• Eviction
• Wrongful entry

"After your liability insurance in your homeowners or car insurances has run out, umbrella polices will kick in. They cover the amount above what your homeowners or car insurance policies capped out, up to the limit you selected. The reason that most umbrella policies are so inexpensive is that the policy is just added protection."