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umbrella insurance image from HBT Insurance

It may seem like a bit much, but umbrella insurance may be the most important investment you may ever make.

It’s easy to assume that only rich people, with their Lamborghinis and their Louis Vuitton designer pocket squares, would need the protection that umbrella policies offer. You’d be surprised to know that umbrella policies come in handy more often to people that belong to the middle class. If you have a homeowners insurance policy and something catastrophic was to happen, resulting in a major lawsuit, your policy may easily be dwarfed by the amount the lawsuit threatens you. Know why umbrella insurance is something you should carry, even when the forecast may seem to not call for it.

An umbrella insurance policy provides an additional layer of insurance, typically $1 million or $2 million above said auto and home insurance policy liability coverage. You never know what’s around the next corner, it could turn out to be a big fat lawsuit with your name on it.

Consider the following scenario: Your nosy neighbor knocks on your door and insists on stepping on your brand new porch, even though you told your neighbor that it’s at capacity. They then ignore you and step forward anyways. It crashes, falls, and leaves him buried with many injuries. And believe it or not, they sue you! As unjust as it may be, you’re likely going to lose the case and forced to pay for the damages “you” caused. 

Don't be left without the proper protection and umbrella policy can provide, contact an agent today at 800-394-0144 and protect your financial future.



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