Think you're covered just because you've purchased auto insurance? Or homeowners insurance? Or even recreational vehicle insurance? Think again. In today's lawsuit-happy society, more and more people are finding themselves faced with a lawsuit. Unfortunately, your auto or homeowners insurance policies have liability limits that may not cover the full amount of a lawsuit.
Umbrella insurance is a personal liability policy that will provide you extra protection from lawsuits that may arise from things such as damage you caused to someone's property, injury in an accident on your property or caused by you, your dog biting someone, false claims and arrests, slander, invasion of privacy, etc. It adds an important layer of protection above and beyond the limits that your other insurance policies offer. And the more you have, the more you have at risk, leaving you with more to protect.
Fortunately, adding this extra layer of protection is fairly inexpensive and is well worth the investment should you ever find yourself in an unfortunate lawsuit. The staff at Gary Thompson Agency in Nebraska and Kansas can review your personal situation to determine how much personal liability coverage is right for you so you can rest easy.
To learn more about umbrella insurance, visit our frequently asked questions page.