Personal Umbrella Liability Insurance

Today, in our current culture in the US, there are lawsuits everywhere, leaving the average citizen vulnerable to exceeding their limits on their homeowners, auto, or boaters policy, at which point a personal umbrella liability insurance policy would be beneficial for covering any expenditures exceeding their limits.

If not covered with the right amount of insurance, lawsuits and any accidents at your home can quickly drain your bank account if not adequately covered. You can never predict the future – whether it be a natural disaster, terrorist attached or a lawsuit. The results would be devastating for any family, even leaving it bankrupt. Copeland Insurance Group handles various carriers that can help bridge the gap to cover your umbrella policy needs.

One of the biggest benefits of having a personal umbrella liability insurance policy is that it offers additional liability coverage beyond that of your homeowner’s policy. Basically, the personal liability coverage (umbrella coverage) extends the limits of your basic homeowner’s policy. It is very affordable and may wind up being the one crucial piece that helps without exhausting all financial resources. Since no one has a crystal ball and can predict how the amount of money a judge may award the injured party, umbrella insurance is an affordable policy that may be the one layer of protection from causing you and your family from being financially heartbroken.

Our goal at Copeland Insurance Group is to find a carrier that is a perfect fit and is watching your back so you can thrive even in the most challenging times. Most umbrella policies are very affordable but the costs of the coverage are directly related to the amount of coverage that you intend to purchase.

If you operate a small business out of your home, you may need to seriously consider looking at obtaining umbrella coverage. Your home itself is considered an asset which could be vulnerable. Copeland Insurance Group is highly experienced in assessing your needs and helping you figure out if your situation will need to acquire umbrella insurance policy.

The personal liability or umbrella insurance is not just for the wealthy anymore, but a much-needed blanket of protection for every policyholder in the US today. Remember, they pay after your basic coverage has tapped out.