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Countless things can go wrong on any given day. When they do, there is always a chance someone wants to pin the blame on you. You’ve got liability protection through standard homeowners, automobile insurance or boat policies, but this is limited and most people fail to purchase enough. For example, buying $100,000 to $300,000 worth of liability coverage may be insufficient to cover severe injuries or a fatality for which an individual may be held liable. An umbrella insurance policy provides a second layer of liability protection on top of your other liability coverage.
An umbrella policy offers very affordable protection. A typical homeowner with two cars and a good driving record would pay less than $1 a day for an umbrella policy worth up to $1 million. If you own more assets, more umbrella protection is essential to greater peace of mind.
The frequency of lawsuits is on the rise, along with the cost. Relying only on the primary liability coverage in your policies may leave you seriously underinsured for injury lawsuits.
An umbrella policy pays for losses above the limit of the underlying policies, such as your auto or home insurance and is a valuable additional layer of protection.
How do you know if you need an umbrella? Ask yourself, do I have:
Consider these hypothetical claim scenarios:
Talk to your Frontline Insurance agent about how much umbrella coverage you need. The amount of your current assets affects the chances of your being subject to a lawsuit, so the more you have to protect, the bigger umbrella you’ll need.