Umbrella Coverage? The Way to Weather any Storm

By Ted Todd Insurance | Umbrella Coverage? The Way to Weather any Storm

Your life is like a puzzle composed of individual pieces. You have your car piece, your home piece, a small business piece, and maybe even a boat piece. You cherish these pieces and the way that they contribute to the whole beautiful picture of your life. You want to protect these pieces with smart, sensible insurance coverage, guided by a licensed insurance agent.

However, sometimes we focus so much on protecting the individual pieces that we forget to protect the whole puzzle. That's where umbrella insurance comes in.

Umbrella insurance is an additional layer of liability protection that kicks in when the liability limits of your existing individual insurance policies are exhausted.

Let's look at an example....

Imagine you crash your car. Your car liability policy provides up to $25,000 in coverage, but the injured person sues you for $50,000. Without umbrella insurance, you could be personally responsible for the remaining $25,000.

With an umbrella policy, however, that extra liability coverage steps in after your primary policy reaches its limit, helping cover the remaining damages and protecting your financial health.

With a trusted insurance agent, you can find the right umbrella policy to protect each piece and the whole wonderful puzzle.