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McBride Benefit Solutions

407 S Court Street
Florence, AL 35630

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McBride Benefit Solutions Blog

What Does Umbrella Insurance Cover?

Our agents at McBride Benefit Solutions serving the Florence, AL area understand the importance of having an umbrella insurance policy in addition to your already existing insurance policies. An umbrella insurance policy will come in handy if you need more coverage than you already have when it comes to a boating or car accident, personal liability situation, and several other scenarios.

What is Umbrella Insurance?

It is important to understand what umbrella insurance is and how it works. It is a very important additional insurance policy you can obtain to go along with your auto, homeowners, boat, motorcycle, and other insurance policies you may already have in place. You can add an umbrella insurance policy to help give you an extra layer of protection when it comes to your personal liability as well as property damage and even legal expenses.

For example, if you are sued for libel or slander, your umbrella insurance policy can really help you out in paying for your legal fees and other things associated with a case like that. An umbrella insurance policy will be used after the limits of your primary insurance policies have already been used to their limits. An umbrella insurance policy will basically help to ensure that you do not end up with some type of large financial burden that you cannot overcome.

What Does Umbrella Insurance Cover?

One of the most important areas that is covered by umbrella insurance is personal liability. For example, if someone is visiting your home and falls down and is injured, your homeowner’s insurance will only cover up to a certain amount of the person’s medical bills and other fees associated with their accident. An umbrella policy can then kick in and help pay these costs, which can even include legal fees if that person decides to file a lawsuit against you.

Another way an umbrella insurance policy is important is by helping you out if you face some sort of lawsuit or even false arrest. An umbrella insurance policy can give you the added protection you need to provide you with a great sense of peace of mind.

Contact Us Today

As insurance professionals serving the Florence, AL area, the experienced and trustworthy agents at McBride Benefit Solutions are very knowledgeable about umbrella insurance policies. Call us today to schedule your appointment to create the best umbrella insurance for you and your situation.

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