Umbrella Insurance in Virginia

If you’re wondering if umbrella insurance is for you, talk to your Everett Insurance agent. We can explain more about umbrella coverage and the benefits it has to offer. Umbrella insurance gives you extra liability protection from accidents that occur in your Virginia home, on the road, on your boat, etc. If your lifestyle puts you at greater risk of accidents, you could be a candidate for a personal umbrella policy.

Here’s why you should look twice at this coverage.

How Umbrella Insurance Works

Umbrella insurance works with your home, auto, boat, and other insurance policies to protect you against liability claims for accidents you cause. Umbrella coverage extends your protection beyond the limits of these policies.

If you cause a serious auto accident that causes extensive injuries or property damage to others, your auto liability limits may be insufficient to cover these costs. Umbrella insurance picks up where your auto insurance leaves off, saving you from having to pay these expenses out of your savings, retirement funds or future income. If you’re sued for damages due to a serious accident, umbrella insurance will cover your legal costs.

No one can predict when accidents will happen. You can, however, be prepared with adequate insurance coverage. Umbrella insurance even protects you when you travel, in the event you’re held responsible for accidents abroad.

What Does Umbrella Insurance Cover?

In short, umbrella insurance covers bodily injuries, property damage, lawsuits and liability claim’s due to accidents in which you’re found at fault, like your other insurance policies in Virginia. The difference is that umbrella insurance provides greater liability coverage to protect your assets in the event you cause an accident with tens or hundreds of thousands of dollars worth of damages.

Umbrella also protects you against claims your other insurance policies don’t, such as false arrest, slander, and libel.

To purchase an umbrella insurance policy, contact your Everett Insurance agent. We serve residents in Virginia, North Carolina or Maryland.