Personal Umbrella Insurance
Personal Umbrella Insurance Information
Personal Umbrella Insurance in Rhode Island
Suppose you have concerns about a possible scenario where your family’s auto and property liability insurance coverage may not offer enough protection. In that case, a personal umbrella policy may provide the additional protection you want.
Contact the agents at Gaulin Insurance Agency in Cranston, Rhode Island, today to find out more about how adding an umbrella policy could help pay for damages not covered by your existing policies.
What Is Umbrella Insurance?
Umbrella insurance provides extra coverage beyond the limits of your existing liability policies. It may cover property damage, lawsuits, injuries, and personal liability.
Umbrella insurance provides help for people who may be found legally responsible for damages that exceed the limits of their home or auto policy. People often purchase umbrella insurance to help protect their assets in the event they are sued.
How Does Umbrella Insurance Work?
Umbrella insurance picks up where your other coverage leaves off by potentially extending your coverage past your policy’s limits. Umbrella insurance may provide coverage if your auto insurance or homeowners policy doesn’t offer enough coverage:
You are involved in a multi-car accident and are legally responsible for hundreds of thousands of dollars in damages. Your umbrella insurance policy may prevent you from having to come up with the money to pay for damages on your own.
Your dog escapes your fenced yard and gets into a fight with a neighbor who is walking her dog. She falls and hurts her knee, then sues you for veterinary bills, her medical bills and lost wages during her recovery time. Umbrella insurance may handle litigation costs in addition to damages awarded to your neighbor.
Get the Coverage You Need Today
If you are in a higher risk group for being sued due to having teenage drivers on your auto policy, engaging in high-risk hobbies and activities, entertaining at home frequently or owning a swimming pool, an umbrella insurance policy could provide you with the additional financial protection you need if your current liability policies aren’t enough to cover damages.
Contact one of the umbrella insurance experts at Gaulin Insurance Agency today to learn more about how umbrella insurance could provide you with the extra coverage you need.