Your auto and homeowners insurance policies likely provide substantial liability limits, especially if you already have Acuity insurance, but you may need a personal umbrella policy for complete protection. A typical homeowners policy covers most anything that happens to your home or the belongings inside, but it may not provide the necessary coverage for injuries that occur on your property. For example, if a neighbor’s child climbs your tree and falls and breaks his or her arm, you may be liable for hundreds of thousands of dollars in medical bills, punitive damages, and court fees. You have a lot to lose in severe cases such as this, and you need to be adequately protected.
A personal umbrella policy is an insurance policy that extends the liability coverage provided by your auto, homeowners, motorcycle, recreational vehicle, and boat policies. Umbrella policies provide higher limits, broaden coverage, and pay for the costs of legal defense you may incur after your basic insurance policy limits are exhausted.
Five reasons why you should get a personal umbrella policy today:
If you don’t have a personal umbrella policy, or if you want to talk to us about your existing policy, contact Acuity today. You can also get a home and auto insurance quote online and talk to one of our independent agents about adding the umbrella protection you need.