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Umbrella insurance can add additional liability coverage in case you exhaust the coverage included with your other policies. For example, if someone slips and falls on your property, he or she may file a personal injury claim. In the majority of cases, your homeowner’s insurance policy would cover the claim, including medical payments. However, the amount could exceed your homeowner’s policy limits. This is where an umbrella policy would kick in. While you are not required to take out a personal umbrella insurance policy in Baton Rouge, LA, it can be a good idea under several scenarios.
Inadequate Liability Coverage
One of the features of umbrella insurance is that it can be used to supplement your auto, homeowner’s, or other types of liability policies. While it can be convenient and cost-effective to maintain the minimum liability coverages under an auto or homeowner’s policy, there are instances where it could be insufficient. Talk with a licensed agency such as Insurance & Financial Services Inc. about the different types of coverage an umbrella policy can cover.
Comprehensive Coverage
Since any umbrella policy that you obtain in Baton Rouge, LA will pick up where your other policies end, the coverage can be both comprehensive and convenient. It can cover incidents that other policies won’t. An umbrella policy can also extend coverage to your family, others living with you, and cover your legal expenses.
Unforeseen Circumstances
While your auto, homeowner’s or renter’s policies are probably enough to cover you and your belongings, these policies may not cover the unexpected. This is where an umbrella insurance policy can help. For example, what would you do if you accidentally damaged an apartment or condo unit next to yours?
Ready to learn more? Contact Insurance & Financial Services Inc. today!