Many people assume because they live an ordinary life and do not engage in high-risk activities that there is no need to carry an umbrella policy. However, there are many reasons why one might need an umbrella policy that will surprise you. If you live in the Cullman, AL area and would like to learn more about umbrella coverage, set up a time to meet with an agent at Insurance Solutions Inc. today.
Do you like to entertain regularly?
Whenever you have guests over to your house, while it may be an enjoyable time, you are increasing the risk of one of those guests being injured. An umbrella policy will be especially important if you have a pool that you allow guests to swim in during BBQs. If you have your kids’ friends over and have a pool, this coverage will become even more critical in the event a child is injured.
Do you have a dog?
Even if you have the friendliest dog in the world, you never know if a situation could arise, which could cause the dog to hurt a third party. Dog bite claims are one the highest liability claims out there. Many homeowners’ policies will only offer a small limit to cover dog bites, so it is imperative to have an umbrella policy in place to protect against these events.
Do you post on social media often?
If you often engage on social media sites such as blogs, Facebook, and Twitter, you should consider an umbrella policy to protect you against slander claims. Slander coverage cannot be found within other primary policies, so it is vital to have an umbrella policy to act as your primary coverage. Similar to dog bite claims, slander claims could mean high attorney fees to defend yourself against the claim.
If you are interested in speaking with an agent about an umbrella policy that fits your needs, reach out to an agent at Insurance Solutions Inc today. We proudly serve the Cullman, AL area.