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When it comes to safeguarding your family’s financial future, standard insurance policies may not provide sufficient coverage. Kerndt Brothers Insurance Agency, serving Lansing, IA, and surrounding areas, understands that modern families face unique liability risks that require comprehensive protection beyond basic homeowners and auto insurance policies.
Understanding Coverage Gaps
Most homeowners and auto insurance policies have liability limits that may have seemed adequate years ago but can fall short in today’s litigious society. A serious car accident or an injury on your property could result in claims that exceed these standard limits. Without proper protection, your family’s assets, including your home, savings, and future earnings, could be at risk.
Affordable Protection for Major Risks
Umbrella insurance provides an additional layer of liability coverage that activates when your other policies reach their limits. This additional protection typically covers legal fees, medical expenses, and damages that could otherwise jeopardize your family’s financial stability. The cost is surprisingly affordable, often just a few hundred dollars annually for substantial coverage.
Comprehensive Coverage for Active Families
Families with teenage drivers, swimming pools, or active social lives are at higher risk of liability exposure. Umbrella insurance protects against claims from various scenarios, including auto accidents, injuries at your home, or even certain personal liability situations away from your property. This comprehensive approach ensures your family can maintain their lifestyle without constant worry about financial vulnerability.
Secure Your Family’s Future Today
Protecting your family’s hard-earned assets doesn’t have to be complicated. Contact Kerndt Brothers Insurance Agency, serving Lansing, IA, and nearby communities, to discuss how umbrella insurance can provide the extra security your family deserves at an affordable price.
