Personal Umbrella Insurance

What is an Umbrella Policy?

An umbrella policy adds additional coverage where your existing insurance policy limits leave off.

For example, your limits on your insurance policy may be exceeded by the following scenarios. What if you fall asleep at the wheel and have a head-on collision with another vehicle injuring several people?  Or, what if you leave the gate to your pool open and a neighbor's child wanders in and slips on your diving board?

In these situations the injured parties may sue you for more money than your Auto or Homeowners Insurance covers.  A Personal Umbrella policy covers you when your policy limits are exceeded.

What Does A Typical Personal Umbrella Policy Includes:

• Payment for medical expenses of the injured party
• Payment for property damage caused by you
• Legal defense costs
• Worldwide coverage

Who Needs An Umbrella Policy?

A common misconception is umbrella insurance is for the wealthy. By the scenarios we shared you can easily see how the unforeseen accidents can escalate quickly and exceed your policy limits. Personal Umbrella policies usually cost significantly less than Homeowners and Auto policies, especially if they are all combined with the same insurance carrier. It is a policy that protect you from additional costs and we can help explain the details of an umbrella policy to you. Learn how affordable a Personal Umbrella policy may be for you, by starting a relationship with our Insurance Agency in Georgia. At Southern States Insurance we work hard for your success.