DO YOU NEED PERSONAL UMBRELLA COVERAGE?
DO YOU OWN A HOME, CAR, OR HAVE PERSONAL INVESTMENTS?
The more personal investments and assets you have, the more likely you are to be sued. Those with higher net worth are more susceptible to losses above and beyond your regular homeowners or auto coverage.
DO YOU OFTEN POST TO SOCIAL MEDIA?
While social media can be a fun way to relax and pass the time, some users have been placed at financial risk due to lawsuits related to libel or defamation. Be careful what you post. If you can’t say it publicly, don’t post it socially.
HAVE A DOG?
Some dog breeds are excluded from homeowners’ coverage. An umbrella policy may be necessary to protect from hefty losses as a result of a dog bite or other dog related claims.
WHAT ABOUT FIREARMS?
Firearms can be considered high risk to insurers. The possibility of a catastrophic loss is considered likely. The legal settlements can often fall above the underlying policy limits when a firearms related incident happens.
PERHAPS YOU HAVE A POOL?
Pools without a locked gate may be declined by insurance companies. No. problem, add a fence. But what if someone leaves the gate open? Similar to a firearm accidents can be financially damaging.
ARE YOU READY TO PAY $1 MILLION DOLLARS?
That’s correct. You could be sued for more than 1 million and you will need a lot of assets and cash to completely resolve a settlement or judgement. Ensure that your Insurance company is supporting your financial needs. Get a personal umbrella policy today!