Need Umbrella Coverage? Check Out These Common Liabilities

Also referred to as personal liability insurance, umbrella insurance cover is designed to help safeguard your assets and savings. If you’re sued for damages exceeding your boat insurance, homeowner’s insurance, or car insurance liability limits, umbrella insurance can cover what you owe. Unlike excess liability insurance that offers higher limits on your current liability coverage, an umbrella cover offers coverage that isn’t included in your insurance policy, like a false written statement or legal fees if you’re accused of slander.

Umbrella Insurance Coverage Options in Williamston, MI

If you take umbrella insurance from CG Insurance Agency, you and your family members can benefit from defamation, dog bite, and slander. Here’s a detailed overview of the umbrella insurance coverage options.

Accidents Caused By a Teenager

In the United States, motor vehicle accident is the second leading cause of death among teenagers (13 to 19 years). The liability costs caused by your car accident can rise significantly, especially if people with huge income sue for last wages or there are multiple cars involved. By taking umbrella insurance, it can increase your liability protection against such risks.

An Intoxicated Party Attendee

If you host a party in your home, you’re likely to have a guest who drinks too much and drives home intoxicated. If such an individual is involved in an accident, you may have to pay part of their expenses. The driver’s lawyer may argue that you could have taken their key or shouldn’t have overserved them alcohol. When you take umbrella insurance, it can help protect you against such issues.

Dog Bites

If you take your dog for a walk and another dog accidentally spooks him, and they end up in a fight, the other dog owner could be bitten as they try to separate the dogs. In cases where your dog bit first, you could be liable for pain and suffering, lost wages, and medical expenses. These are costs that your homeowner’s insurance cannot cover.

Get Your Umbrella Coverage Today!

As a Williamston, MI resident, you should get umbrella insurance coverage to protect yourself against expenses above your usual insurance policy limits. At CG Insurance Agency, we can help you get umbrella insurance coverage within a short time; contact us today to discuss further.