Have you noticed that the general population is filing more lawsuits than in the past? In record numbers, people are awarded larger judgments than ever before.
Are your insurance liability limits sufficient to protect your assets and future earnings in the event of a lawsuit? We highly recommend looking into a Personal Excess Liability (Umbrella) policy. This type of policy is an extra layer of liability coverage over your automobile, homeowners, motorcycle or boat policy. Should you be liable for someone’s injuries or damages, and your primary policy’s limit runs out, an umbrella can offer an additional million dollars or more of protection.
Certain exposures, such as swimming pools, trampolines, or inexperienced drivers make a very compelling case to add an umbrella policy. This coverage can often be added for less than $200 annually for one million dollars of additional protection. Please contact your personal service representative today to review your current coverage, and determine if an umbrella policy is right for you!
... And how does this apply to my needs?
A teenage football star was drinking alcohol with his friends one night when they made the decision to hop a neighbor’s fence and jump into the pool. The boy dove into the pool while impaired by alcohol and broke his neck. Although the pool owners were not present, their homeowners’ policy paid $300k, and their umbrella paid a full $1 million settlement.
By purchasing an umbrella for only $150, the pool owners saved themselves from bankruptcy. Anytime an injury occurs on your property, you could be held liable. What can you afford to lose?
An umbrella insurance quote from The Horton Group is fast, easy, and just a phone call away. Please call us at 800-981-4700 or fill out the form below to promptly receive a personalized, no obligation quotation for your home.
