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Umbrella Insurance

What is Umbrella Insurance?

Umbrella Insurance provides the kind of coverage that the name suggests-it provides an umbrella for you to take cover under, so to speak. Liability issues are numerous and these days you never know what might prompt someone to file a lawsuit against you. Be it a serious automobile accident, dog bite or other similar scenario, there are no shortages of items you can be sued for. Essentially, Umbrella Insurance policies provide protection from liabilities that reach farther than the typical limits of standard insurance policies, such as homeowners and car insurance policies. Umbrella Insurance keeps you safe under its umbrella so that when an incident causes you to exceed the liability limits on a standard insurance line, you will still be covered.

What does Umbrella Insurance cover?

Typically, liability coverage within your standard insurance policies only provides protection for property damage and bodily injury to others. Umbrella policies go beyond those limits to not just provide even more coverage for bodily injury and property damage, but to also supplement this with coverage for things that are not covered by standard liability allowances. Since each policy is unique, what might be a covered liability issue on one insurance policy might not be covered on another. Umbrella Insurance jumps into action when scenarios such as this occur and/or if you surpass the limits of liability coverage for the scenarios that are already permissible according to your regular insurance policies.

Why should you purchase Umbrella Insurance?

Maybe you think you don’t need Umbrella Insurance, but keep these questions in mind : What will happen to you and your family’s assets if you face a lawsuit for an incident on your property and all the costs of the lawsuit reach far beyond the liability coverage provided by your homeowner’s policy? Who will cover the extensive costs if you cause a multi-car accident and your liability costs go way over the liability limits on your auto insurance by tens of thousands of dollars? While situations such as these might be relatively rare, you cannot be too careful when dealing with risks as potentially damaging as these; you are gambling with the value of your home, future earnings, and your retirement savings, amongst other items. Umbrella Insurance is normally purchased at an affordable price, but provides sufficient coverage so that you won’t have to worry about excessive liability costs in the future.

Get in touch with Sampson Insurance today for more information on umbrella policies and get a free online quote!

Contact Us:

Sampson Insurance Agency LLC
14 Franklin Street
Quincy, Massachusetts 02169
Fax: 781-682-9740

Office Hours: 8:30AM - 4:30PM



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