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6 Reasons Why You Need Umbrella Insurance

6 Reasons Why You Need Umbrella Insurance

 If you already have home and auto insurance you may be asking yourself, why do I need more coverage?

The answer is simple, lawsuits are everywhere.

The top priority while summer is here is to have fun, but how can you have fun if you’re always worrying about accidents and lawsuits just waiting to happen? You can’t, especially if you fall in one of these categories below without having an umbrella policy.

 Do you fall in one of the 6 categories?

1. Own an animal.

While our pets can be our best friends, they can also be others worst enemies. Who hasn’t heard a story about how someone’s beloved dog, that would never hurt a fly, attack their guests? I know I sure have, and although we would never want that to happen to you and your summer visitors, we want you to be covered in the case that it does.

2. Own or rent a motor vehicle.

You already have a personal auto policy? Okay, but do you know about the gaps in that policy that leave you vulnerable? An umbrella policy could cover you in these certain situations including driving outside of a permitted area or allowing an unlisted driver to drive.

3. Own a swimming pool.

Who doesn’t like to swim in the summer? But with drowning being the second leading cause of death in children, being cautious is important. So, while having the luxury of a pool in your backyard is wonderful it comes with responsibilities, even if its just the maintenance.

4. Own a trampoline.

Trampolines cause around 100,000 injuries per year.  You don’t want to get rid of your trampoline due to an injury lawsuit that could have been protected.

5. Own Residence(s).  

You may be thinking, I already have homeowner’s insurance, but again this will cover the gaps and will also exceed the sublimit on your personal property that your homeowner’s insurance doesn’t cover.

6. Host parties.

Hosting any kind of party where alcohol is involved is already setting up a platform for lawsuits. For example, if one of your guests is pulled over for a DUI on their way home and states that they were at your house, you better be prepared for a lawsuit.

Protect Yourself with a Homeowners and Umbrella Policy

No matter the case, it is always better to have coverage and not need it than to need it and not have it. You don’t want a lawsuit ruining your savings that could’ve been covered under an umbrella policy.

Also, be sure to also protect yourself with affordable home insurance. Contact us today to learn how Bock Agency can help with your homeowner’s policy. We offer home insurance tailored to your needs in North Huntingdon, Pennsylvania including the Greensburg, Irwin, N. Huntingdon, Pittsburgh, and Trafford areas. Request a homeowners insurance quote today.