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The Difference Between an Umbrella Policy and Other Forms of Insurance

Many people are under the impression that their home and auto insurance policies cover everything. However, there are certain instances where these policies will not provide coverage. That’s where an umbrella policy comes in.

At Insurance Solutions LLC, we want to make sure that our clients in Omaha, NE are fully protected.

Here’s a look at the difference between an umbrella policy and other forms of insurance:

What Is an Umbrella Policy?

An umbrella policy is extra liability insurance that provides protection beyond the limits of your homeowners, auto, or watercraft insurance policies. It kicks in when you’re sued for damages or someone is injured on your property. Umbrella insurance also covers certain defamation claims and false arrests.

Why Do I Need an Umbrella Policy?

You need an umbrella policy because it offers protection beyond the limits of your primary insurance policies. For example, let’s say you’re involved in a car accident that results in serious injuries to the other driver. If the other driver sues you, your auto insurance policy will cover some of the costs associated with the lawsuit.

However, if the damages exceed the limits of your auto insurance policy, you’ll be responsible for paying the rest out of pocket. This is where umbrella insurance comes in. It will cover the costs associated with the lawsuit up to the limit of your policy.

Umbrella policies also provide coverage for certain types of defamation claims and false arrests. If you’re ever sued for libel or slander, or if you’re falsely accused of a crime, your umbrella policy will help cover the costs associated with defending yourself in court.

How Much Coverage Do I Need?

The amount of coverage you need depends on a number of factors, including the value of your assets and how much risk you’re willing to assume. If you have significant assets, you’ll need more coverage than someone who doesn’t have any assets to protect. You should also consider how much risk you’re willing to assume. If you’re comfortable taking on a bit more risk, you can opt for a policy with lower limits.

Get Umbrella Insurance Today

At Insurance Solutions LLC in Omaha, NE, we can help you determine how much coverage you need and find a policy that fits your budget. Contact us today to get started.

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