As a homeowner, your home insurance may not be enough to cover liability. If you’re sued, you’ll want to protect your assets adequately. Umbrella insurance can ensure that every part of your household property is adequately protected. Our agents at Shavano Insurance Agency LLC in San Antonio, TX can help you choose coverage that works for you.
Reasons to Get Umbrella Insurance for Household Property
While your home insurance already includes liability coverage, it may not be enough to protect all your assets in the case of a lawsuit. As a homeowner, you’ll want to ensure that all of your property, including any household property, is protected. If someone were to sue, and your home insurance gets maxed out, other assets on your property could be seized as compensation if you can’t pay.
Additional Advantages of Umbrella Insurance
Umbrella insurance doesn’t just protect your home from liability but also protects you and your household members outside the house. If you’re on someone else’s property and damage something, then your umbrella insurance can help cover those costs, especially if the damages exceed your current home insurance plan.
Another advantage of adding additional umbrella insurance is that it can help cover the costs of medical bills for injuries that happen on your property. If someone were to get hurt on your property and treatment exceeds your current home insurance policy, then the rest of the bill can help cover the rest of the bill. It can also help with legal costs if you have to fight a lawsuit.
Protecting Your Home with Umbrella Insurance
Adding an umbrella insurance policy to your existing plan can help exceed your home insurance liability limits—that way, you know that your household assets are protected in the case of a large claim. Without umbrella insurance, you could have additional household assets seized, which otherwise would have been protected. If you’re still confused about umbrella insurance and what it can do for you, then consider contacting one of our agents at Shavano Insurance Agency LLC in San Antonio, TX, and we will be glad to help.
