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Umbrella insurance order in Needham
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Umbrella insurance

Umbrella insurance

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When catastrophic accidents happen, your insurance limits may not be adequate to protect you from ensuing lawsuits. Liability coverage on your homeowners, automobile motorcycle or boat insurance may not be enough to pay the damages, court costs and legal fees, especially when you are served a lawsuit for millions of dollars. Umbrella policies are designed to protect you against these type of lawsuits and can even protect you against lawsuits that are not covered at all by your other policies. Umbrella policies are the most affordable and broad type of liability insurance you can buy, providing you extra comprehensive coverage for the most severe disasters.

You should consult with an agent who can help you decide how much additional coverage you need. A personal umbrella policy typically gives you between $1 - $5 million in liability coverage over and above your homeowners and auto policies. Your umbrella liability limit is added to your 'underlying policies', such as your homeowners, boat, motorcycle, or auto policy. If you are sued for an amount that is larger than the coverage limit in one of these underlying policies, your umbrella policy will cover you for the additional damages up to the umbrella coverage limit.

You or your spouse or child might get involved in a serious car accident. The other driver could be permanently disabled and never be able to work again. If lawsuit follows and a court awards the other driver $1.5 million in damages, your auto insurance policy with $500,000 will not cover all of the damages. A lifetime of debt could be in your future. With a $1 million personal umbrella policy, the entire $1.5 million would be covered.

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Umbrella insurance
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