When life is going well, the last thing you want to think about is a lawsuit or costly accident. But unexpected events happen every day, and when they do, they can put your savings, home, or even future income at risk. That is where umbrella liability insurance can make all the difference.
Most people assume their home and auto insurance policies are enough. In many cases, they are up to a point. Each policy has coverage limits, and once those limits are reached, you are responsible for the rest. Imagine being found liable for a serious auto accident or someone slipping and falling on your property. If the total damages exceed your policy limits, you could be facing hundreds or even thousands of dollars out of pocket.
What Is Umbrella Liability Insurance?
Think of umbrella liability insurance as an extra layer of protection that sits on top of your existing coverage. When the limits of your auto, homeowners, or renters policy are used up, your umbrella policy steps in to cover the remaining costs up to your selected limit. This additional protection helps ensure that you are not left exposed when something major happens.
Umbrella insurance protects more than your current assets. It also safeguards your future. If a judgment exceeds your base coverage, your wages and savings could be at risk. An umbrella policy can help make sure that never happens.
Who Needs Umbrella Liability Insurance?
There is a common misconception that umbrella coverage is only for the wealthy. The truth is that anyone who drives a car, owns a home, or has assets to protect can benefit. Accidents do not discriminate. A single mishap such as a car accident with multiple injuries, a guest tripping on your sidewalk, or even an online comment that leads to a defamation claim can result in costly lawsuits.
It’s important to remember that umbrella liability insurance is not just for “what if” situations. It provides peace of mind, knowing you are protected no matter what comes your way.
Affordable Protection for Your Future
Here is the best part: umbrella policies are surprisingly affordable. For a modest annual premium, you can gain extra protection that goes beyond your standard coverage. That is a small price to pay for the security of knowing your family’s financial future is safe.
The Feltner Group team takes the time to understand your specific needs and risk factors, then helps you find the right coverage options for your lifestyle and budget. As an independent insurance agency, we work with multiple top-rated carriers, which allows us to compare policies and find you the best value without compromising coverage.
Protect More Than You Think
Life is unpredictable, but your protection does not have to be. Umbrella liability insurance offers powerful and affordable coverage that fills the gaps your standard policies cannot. Contact The Feltner Group today to discuss adding an umbrella policy to your insurance portfolio and gain peace of mind knowing you are fully covered.