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If you’re a homeowner with home insurance, you’re probably already aware that your policy includes personal liability coverage. This coverage can help if you’re found liable for an accident that occurs on your property. If you’re sued due to an injury that happened at your home, your home insurance may help cover legal fees and other related expenses tied to the lawsuit. Your insurance professional at Kerndt Brothers Insurance Agency, serving Lansing, IA, can help you understand this type of coverage and how to file a claim.
You may also have heard that umbrella insurance can provide additional help in these situations. Understanding what umbrella insurance is and how it works is worth the time.
What Is Umbrella Insurance? What Does It Cover?
Umbrella insurance provides extended liability coverage that kicks in once your home insurance’s personal liability coverage has been exhausted. If an accident occurs on your property and your home insurance helps cover legal fees and related expenses, umbrella insurance can step in once those limits are reached.
Who Needs Umbrella Insurance?
If you’re at higher risk of being sued for injuries that occur on your property, umbrella insurance may be worth considering. Many people who choose this coverage own things like trampolines or pools. If you have significant assets and feel your home insurance may not provide enough protection, talk to your insurance agent about umbrella insurance.
How Can You Get Umbrella Insurance?
Do you need umbrella insurance? The professionals at Kerndt Brothers Insurance Agency, serving Lansing, IA, can help. Call today to speak with a member of our experienced insurance team.
