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Umbrella Insurance

from Spangler Insurance

Umbrella Insurance

It’s a harsh fact that liability cases cost average people like yourself millions every year. Learn how you can better protect yourself and your assets with personal umbrella insurance.

Are You at Risk of a Liability Claim?

Personal liability claims are everywhere today. Someone slips on an icy sidewalk, breaks their neck, and sues the homeowner. A delivery person gets bitten by a package recipient’s dog. A teen driver gets distracted and causes an accident resulting in long-term disability for another motorist.

These liability claims can be quite costly. Some go to court, where the plaintiff is awarded damages. In other instances, a private settlement is reached.

You have some liability coverage with your home, renters, or vehicle insurance. But what happens if you hit the cap on that policy? You would have to make up the difference out of your own pocket. Could you afford to do that without losing your retirement savings or your home?

How Does Umbrella Insurance Work?

Fortunately, umbrella insurance is there to fill the gap. A personal umbrella policy kicks in when you hit the limit on other liability insurance. You can get umbrella coverage of $1 million or more to cover settlements, lawsuit awards, and legal fees.

As the name implies, umbrella insurance covers you for a wide range of liabilities. You can use it alongside your homeowner or condo policy. Or you can apply it when you reach the cap on an auto insurance policy. And it protects you and household members at home or when traveling the globe.

Who Needs Personal Umbrella Insurance?

Anyone could be the subject of a liability claim today, but there are some folks who are especially at risk:

  • Dog owners
  • High-net-worth individuals
  • Homeowners
  • Parents of teenagers
  • Public figures
  • People who engage in risky sports
  • Owners of pools and waterfront property

Many people elect to purchase an umbrella policy at a reasonable price for the peace of mind it brings.

Start a Personal Umbrella Policy Today

Too many people realize too late that they should have had the extra liability coverage that umbrella insurance provides. Don’t be one of them!

Our independent agents at Spangler Insurance have a large selection of personal insurance products for you to choose from, and we offer personalized service to customize a policy to your unique needs.

Call us at 206-329-7447 to add personal umbrella coverage to your insurance portfolio. For your convenience, you can also start a policy online.