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When Should You Get a Personal Umbrella Insurance Quote?

Umbrella insurance is great for anyone who has anything of value. It protects you when you’re sued after an event that occurred on your property, or if you unintentionally cause someone to become injured.

Just about everyone is susceptible to some sort of civil suit—even if they don’t do anything to deserve it. If you own assets, that liability dramatically increases. The first step to protect yourself against losing assets in a legal battle, is to get your personal umbrella insurance quote online.

What is Umbrella Insurance?

Umbrella insurance protects people when they’re sued after an event that transpired at their home, in their car, or simply due to an unfortunate mistake. For example, you accidentally injure someone, or someone slips and falls in your home, you can be sued for medical expenses. While some insurance policies cover this type of personal liability, there are limits to what they can pay. Once those limits have been met, your umbrella insurance policy will kick in. Umbrella insurance can be considered a secondary policy, with your homeowners, renters, or auto as your primary policy.

An umbrella policy will pay for your legal expenses and protect you if you lose a lawsuit. The judge could award the plaintiff an amount that exceeds what you currently have. If you win, an umbrella policy would cover your lawyer’s fees.

A judge typically allows the plaintiff to go after your future earnings until they receive what they’re owed.  If you have an umbrella policy, it will cover you so your salary isn’t jeopardized for years to come. You can be at ease knowing that your umbrella policy covers your future earnings as well as your current assets.

When is it Worth it?

It’s easy to be held liable for something that happened on your property—that’s why umbrella insurance is so popular. If you don’t own a home, have little to no net worth and don’t have any potential hazards on your property, you can probably do without umbrella insurance.

However, most people should consider buying a policy. Umbrella insurance is necessary if you fit one or more of these categories:

  • Vehicle owners/renters (boats, cars, etc.)

  • Homeowners

  • People with pets

  • Parents

  • Those who host guests on their property

  • Anyone who owns rental properties

  • Those who own a business or speak about other business

  • People who volunteer their time and services

Through retrieving a personal umbrella insurance quote online you can also learn how it provides protection against claims and lawsuits from potentials accidents you may cause and is a safeguard for your future income.

It protects you when you’re sued after an event that occurred at your home, in your car, or because of something you did. With our current climate of sue-happy individuals, it is worth your while to get a personal umbrella insurance quote online.

About Integra Insurance Group

Integra Insurance Group is one of Arizona’s leading independent insurance agencies. Located in Peoria, Integra has provided reliable insurance services to families and businesses for many years. We work tirelessly to provide our clients with the best insurance coverage at competitive rates, all with personalized customer service. To learn more about what we can do for you, give us a call today at (623) 322-5955.