Living in a busy world, our lives constantly intersect with the people around us, and some interactions can have surprising consequences. It is increasingly important to make careful insurance choices to protect yourself from the unexpected. Because, even if you carry excellent coverage with high limits, situations can still arise that leave you liable for costly damages exceeding what any single policy can cover.
This is where umbrella insurance comes in. An umbrella policy sits over other policies, such as home insurance, auto, boat, etc., and provides additional liability coverage if the underlying policy maxes out during a claim. Here are a few cases when an umbrella policy is essential:
While most people don’t stop to think about everything that can go wrong, insurance professionals very often see the worst case scenarios, such as the examples above. I know they sound like horror stories, but, trust me, they can be a lot worse if you don’t have enough coverage in place. So, work with your independent agent to select the insurance you want to help protect yourself and your family in these and plenty of other scenarios.
About Erin Eudy and Riskguard Insurance Solutions, Inc.
Erin Eudy is an insurance agent with Riskguard Insurance Solutions, Inc., an independent agency that delivers custom-tailored insurance and risk management solutions in California and neighboring states. She works closely with clients to understand their needs and provide coverage that fits the whole picture, making sure they’re protected at home, on the road and beyond. Choice is essential to delivering the well-rounded coverage her clients want. As an independent agency, Riskguard Insurance Solutions has access to an array of highly acclaimed insurance companies. The family corporation has more than 85 years of accumulated experience in the insurance industry.
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