Standard home insurance policies include liability coverage. This means that if someone is injured on your property and you’re found to be at fault, your insurance may help pay for medical expenses, pain and suffering, legal fees, and other related costs. Liability insurance is something most homeowners hope they never have to use, but it’s good to have in case of the unexpected.
You may have also heard about umbrella insurance, which can help cover expenses when your home insurance liability coverage isn’t enough. Understanding umbrella insurance and how it works can help you decide whether it’s a good fit for you. The professionals at Insurance Solutions LLC, serving Omaha, NE, are here to help. We can answer your questions about umbrella insurance, help you assess your risk, and, if you decide to move forward, help you find the right policy.
What Is Umbrella Insurance?
Umbrella insurance is additional liability coverage that extends beyond your home insurance liability limits. If you’re sued and your home insurance liability coverage is exhausted, umbrella insurance can help cover the difference. It’s only activated once your home insurance liability coverage has been used up.
Isn’t My Home Liability Insurance Enough?
For some people, home insurance liability coverage is enough. However, if you have more assets than your policy covers, or if you carry a higher liability risk, such as owning a trampoline or a pool, you may want to consider umbrella insurance as well.
How Can I Get Umbrella Insurance?
Getting umbrella insurance is easy when you work with Insurance Solutions LLC, serving Omaha, NE. Our professionals can shop around for home insurance and umbrella insurance to help you find the right policy for your needs.
