America is made up of lawsuits. Every day, you can read about some crazy situation where someone, somewhere has sued another person for something wild, like a beer ad not being realistic, or a TV show upsetting a watcher’s stomach. Other times, the lawsuits are completely grounded. Either way, in today’s America, it’s very likely that you’ll need umbrella insurance.
Umbrella insurance is a safety net for your home and auto insurance, and often other types of insurance. You may think that you’re fully covered simply by having a home insurance policy, but if you have a big house with lots of room for unusual accidents (like trampoline, pool, playground set, or hot tub, etc.), you should consider umbrella insurance. Even owning a snippy dog or a finicky cat could be cause to purchase umbrella coverage.
Umbrella insurance can cover many other things as well, even some things that people could find silly. As for the home and auto safety net, it jumps in to cover the amount above what your policies capped out, up to the limit you chose.
Umbrella coverage may seem unnecessary, but these days, you’d be surprised. We want to help you fully understand what your umbrella coverage will entail. To learn more about umbrella insurance, contact us today! We’re WT Flynn Insurance, an independent insurance agency based in Framingham, Massachusetts.
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