Everyone has liability insurance, so you should be covered for whatever comes your way, right? Wrong. If you’re held liable for damages or bodily injury in a catastrophic accident or are the subject of a lawsuit for personal injuries, the liability coverage that you were counting on is likely to be woefully inadequate for your needs. Also known as "excess liability" coverage, an umbrella policy can help protect you both at home and on the road.
When Other Insurance Stops . . .
Umbrella coverage takes over when other liability insurance stops–such as when you have a catastrophic, multi-vehicle accident on the interstate and it’s determined to be your fault or when your dog wanders off and bites a neighbor’s child resulting in significant medical bills. It never seems like these things could happen to you in Boise, ID, but they can and do–and it’s best to be prepared for any eventuality.
Umbrella insurance protects you from more than massive calamities, it can also shield you and your family members from incidents that may exceed your standard auto, home or other underlying insurance. Legal defense fees are also covered, which can be incredibly important in today’s society of litigation. Coverage extends throughout the world, so no matter where you are when a peril occurs, your coverage will follow you.
Ready to learn more about umbrella insurance and how a policy can help protect your family from disaster? Contact Fuhriman Insurance Agency, your local Boise, ID insurance partner, to learn more about sheltering your family from all of the dangers that life can throw at you–expected and unexpected.