{"id":398,"date":"2022-12-30T04:00:00","date_gmt":"2022-12-30T04:00:00","guid":{"rendered":"https:\/\/www.insuremeplus.com\/blog\/?p=398"},"modified":"2022-12-14T20:08:24","modified_gmt":"2022-12-14T20:08:24","slug":"how-much-umbrella-insurance-should-i-get","status":"publish","type":"post","link":"https:\/\/www.insuremeplus.com\/blog\/how-much-umbrella-insurance-should-i-get\/","title":{"rendered":"How much umbrella insurance should I get?"},"content":{"rendered":"<p>When getting the right amount of umbrella insurance coverage, you want to make sure you&#8217;re considering all the potential risks and liabilities that could occur. You don&#8217;t want to leave yourself or your family underprotected, but at the same time, you don&#8217;t want to overpay for coverage you may not need. That&#8217;s why working with an experienced agent from Fuhriman Insurance Agency in Boise, ID is essential &ndash; we can help you get the right amount of protection.&nbsp;<\/p>\n<h2><strong>What is Umbrella Insurance?&nbsp;<\/strong><\/h2>\n<p>Umbrella insurance provides extra liability coverage beyond what a homeowner&#8217;s policy or auto policy covers. If someone sues you for damages beyond what your current policies cover, an umbrella policy will provide additional protection for these losses up to its limit. This type of coverage is often used when liability claims exceed the limits of a person&#8217;s existing policies, such as auto and homeowners insurance.&nbsp;<\/p>\n<h3><strong>How Much Coverage Do I Need?&nbsp;<\/strong><\/h3>\n<p>It depends on your individual situation, but generally speaking, most people should consider getting at least $1 million in umbrella coverage. This level of coverage will protect you if someone sues you and wins a judgment against you that exceeds your existing homeowners or auto policy limits.<\/p>\n<p>When deciding how much umbrella insurance coverage to get, there are several factors to consider, such as your income level and assets owned. It&#8217;s also important to consider any high-risk activities or hobbies, such as skiing or boating, that could increase your risk for liability claims.&nbsp;<\/p>\n<p>For more detailed advice about how much umbrella insurance is right for you in Boise, ID, contact an experienced agent at Fuhriman Insurance Agency. We can help determine what type and amount of protection fits your situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When getting the right amount of umbrella insurance coverage, you want to make sure you&#8217;re considering all the potential risks and liabilities that could occur. You don&#8217;t want to leave yourself or your family underprotected, but at the same time, you don&#8217;t want to overpay for coverage you may not need. That&#8217;s why working with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[34,33],"class_list":["post-398","post","type-post","status-publish","format-standard","hentry","category-insurance-quotes","tag-boise-id","tag-fuhriman-insurance-agency"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"When getting the right amount of umbrella insurance coverage, you want to make sure you&#039;re considering all the potential risks and liabilities that could occur. 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