What Umbrella Insurance Covers

Umbrella insurance is designed to offer you additional protection over the liability limits of your current insurance policies. Whether living in Parkersburg, WV or the surrounding communities, umbrella insurance may prove especially beneficial for your personal needs. Curtis Miller Insurance is here to help you understand what exactly umbrella insurance covers.

Added Coverage On Most Insurance Policies

Umbrella insurance doesn’t just cover one form of property or investment. It provided added liability coverage on your home, vehicle, boat, recreational vehicle and other major purchases. This way, if you are ever sued or are forced to rely on your current insurance policy beyond its liability limits, the umbrella insurance coverage will kick in.

What Issues Does Umbrella Insurance Cover

There are all sorts of reasons why you might find yourself on the receiving end of a lawsuit. An injury may occur in or around your property (anything from a guest falling down your stairs to someone slipping on your sidewalk). If you sustain extensive damaged to your property, umbrella insurance will help cover this.

Umbrella insurance also provides bodily injury liability. These kinds of injuries may stem from a family pet (such as a dog biting a guest), from a neighboring child who trips and injures themselves in your yard, or if there is a physical injury that happened during an auto accident deemed your responsibility.

Umbrella insurance is a protective coverage designed to offer improved financial protection in the event sudden expenses exceed that of your current liability limits. There are a number of reasons why this might happen to you when living in the greater Parkersburg, WV area. If you are interested in umbrella insurance, have more questions or want to know what kind of liability limits you currently have, Curtis Miller Insurance is here to assist.