National Umbrella Month: Why do I need an umbrella policy?

The month of March is national umbrella month. In the insurance industry, we value the importance of the umbrella. That is why we express to our customers the importance of having an umbrella insurance policy.

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Umbrella insurance is like having an extra security blanket. You can think of it as an actual umbrella, it protects you from any unexpected and damaging external elements. Umbrella insurance provides additional liability coverage above your preexisting liability coverage limits on your home, auto, and boaters insurance policies.

There are several benefits to having an umbrella policy. This specific type of policy protects you from being completely wiped out financially. Having an umbrella policy is basically like having an extension to your home and auto policy.  Many people don’t realize the importance of an umbrella policy and how much it can help you if you have a lawsuit on your hands.

Depending on the type of umbrella policy, a customer can add an additional one to five million dollars in liability coverage to their home, auto, or boat policies. The additional liability coverage is used when you exceed the limit on your original policy. Having this liability coverage will also cover costs of legal defense if you need it.

An umbrella policy may be more affordable then you think. By contacting any of our agents here at Community Insurance & Associates you can find out how to add an umbrella insurance policy. Making the small additional investment in order to have an umbrella policy can be very beneficial in case you are ever in a sticky situation. Make sure you keep yourself and your family financially stable by acquiring an umbrella policy.

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