A few nights ago, my cousin called with an insurance question. Their neighbors are threatening to sue he and his wife because a tree on their property fell over during a big storm and damaged the neighbors' roof and upstairs window. My cousin called his insurance agent and asked if they were protected by their homeowners policy. The insurance agent said, "I'm sorry, you don't have umbrella insurance." needless to say, my cousin was frustrated and called me to confirm that he needed umbrella insurance.
All insurance carriers are different and their policies may cover different things when it comes to homeowners insurance. However, generally, things like fallen trees, accidents involving trampolines, swing sets, pools, and hot tubs require a little extra coverage. That's where umbrella insurance steps in.
Basically, if you see risks that you're not sure about, such as trees, pools, etc., ask your insurance agent. In most cases you will need that extra protection. Umbrella insurance will protect you from many bad situations and can save you thousands.
For more information on umbrella insurance, contact us today! We're Podmaska Insurance, based in Providence, Rhode Island.
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