Do you have enough protection from liability? If you’re like many people, the answer is probably no. That’s why you should consider umbrella insurance coverage in Lexington, MI.
What is Umbrella Insurance?
Umbrella insurance can provide an extra layer of protection for you and your family if someone sues you for damages for injuries they sustained or for property damage. The coverage kicks in when the damages exceed your standard liability insurance limits. A North Coast insurance Services agent can help you determine if umbrella insurance is right for you.
Why You Need Umbrella Insurance
Even if you have a good homeowner’s policy, it may not provide enough coverage if someone is injured on your property or if you are sued for damages. That’s where umbrella insurance comes in. It can provide the extra coverage you need to protect your assets.
For example, homes with children, dogs, playground equipment, and swimming pools can be more susceptible to liability claims.
Umbrella insurance can also provide coverage for things like libel and slander and accidents that occur away from your home, such as on vacation.
Umbrella Coverage and Auto Insurance
If you have automobile insurance, your Lexington, MI umbrella policy may provide additional coverage for driving accidents. For example, if you are in an accident and sued for damages exceeding your auto insurance policy limits, your umbrella policy may cover the additional amount. Parents with teenage drivers may want to consider umbrella insurance to help protect their assets in case of an accident.
If you’re interested in learning more about umbrella insurance coverage, contact North Coast insurance Services. We can help you determine if this type of coverage is right for you.