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Umbrella Insurance

Umbrellas go overhead and protect whatever is underneath, obviously. You already know this. You may not know, however, what an umbrella insurance policy does. That is not so obvious.

Umbrella insurance is simply extra liability insurance for you and your family. It’s sometimes referred to as “excess liability insurance.” So what exactly is liability insurance?

In simple terms, liability insurance protects your finances by paying for damage you or your family cause to other people or their property. While you may have some liability insurance as part of your auto and home insurance, those have a limit. Medical expenses, lawsuits, and property repairs become very expensive very quickly. If you find yourself in a situation where your existing liability insurance has to cover costs, your limits could be reached more quickly than you might think. That’s precisely where umbrella insurance comes in.

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What does umbrella insurance cover?

Umbrella insurance can help cover the cost of incidents like these when your home or auto liability limits are exceeded.

  • Bodily injury to others
  • Property damage to others
  • Legal defense costs in lawsuits related to bodily injury or property damage
  • Lawsuits such as defamation, libel, slander, and invasion of privacy
  • Incidents that happen outside the U.S.

Who does it cover?

Umbrella insurance extends to members of your household as well. You may not know that umbrella insurance protects you in lawsuits if you or a household member are sued for slander, libel, false arrest, or even imprisonment. This can be especially important if you or your children are active on social media. Social media has made slander and libel lawsuits far more numerous than in previous decades.

If you’re wealthy

Wealthy households should especially consider an umbrella policy. You or your family are more likely to be the target of lawsuits. The activities below can put you at a much higher risk of being sued.

  • Serving on a charitable board
  • Having a swimming pool, pond, or trampoline
  • Having dogs, horses, or other large animals
  • Managing a family trust
  • Hosting large parties in your home
  • Employing household staff
  • Having a high public profile

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Life & Financial