Umbrella coverage is there when one insurance policy isn’t enough.
Most homeowner’s policies have a liability limit of $2 million. Ditto for car and boat insurance. Sadly, the damages that are being awarded today are often more than that.
If your dog bites someone badly, or a child falls off your jungle gym resulting in paralysis, or a guest slips and falls on your cottage dock and suffers a traumatic brain injury, or you host a party and one of your guests seriously injures someone in a drunk driving accident, or a fire on your property guts your neighbour’s home, $2 million will pay for part of the tab. The rest will come out of your pocket—unless you have umbrella coverage.
Umbrella coverage is an inexpensive add-on to your standard policies that provides extra liability coverage in case of a major claim or lawsuit. It will pay for any damages in excess of the amount covered by your homeowner’s, auto or boat insurance. Umbrella coverage travels with you wherever you are in the world. It can also cover multiple residences and vehicles.
How inexpensive will your umbrella policy be? Talk to BSMW to find out, for free.
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