Do I Need an Umbrella Policy?
At the Leigh Agency, Freehold NJ we are asked this question many times and the very simple answer is YES. A personal umbrella policy covers you above the liability limits of your auto and homeowner’s policies in the event you or a member of your household is involved in a major car accident or an accident on property you own. For this reason, it is important to understand the limits of coverage on your current policy and know if it includes an umbrella policy. Contact Leigh Agency in Freehold, NJ today if you aren’t sure!
A personal umbrella policy from the Leigh Agency will not only provide extra liability coverage, but it may also extend coverage for situations that are excluded and not commonly covered by your standard insurance policies. This is something that experienced, insurance agents can help you understand, and they will work with you to ensure you have the proper coverage.
Situations where an Umbrella Policy Offers Additional Coverage:
- Auto Accidents
- Legal fees used in your defense
- Accidents on your property, at your pool, on recreational vehicles
- Pain and Suffering Liability lawsuits
- Slips & falls by visitors to your Home
- False arrests and Slander
- Accidents on your boat, or other watercraft
As you can see from the list above, there are many reasons why you should have personal umbrella coverage. There are many circumstances where your current policy may not provide the proper amount of compensation in the event of an accident or lawsuit. If you have a Personal Umbrella coverage question, please feel free to contact us. The experienced agents at the Leigh Agency can evaluate your unique needs and provide the best policy based on them. We represent many insurance companies allowing us to shop for the right insurance coverage to protect you and your family.