Summer is probably the busiest season of all. Sure, there’s no school. But there are plenty of playdates, backyard barbecues, pool parties, and hanging out with friends. Because of all this activity, it’s also the most common time of year for unexpected accidents. Having an umbrella insurance policy in place before the summer hits is a great way to make sure you and your family are protected. Read on to learn more about umbrella insurance policies and how they can help you relax and enjoy the summer.
What is an Umbrella Insurance Policy?
A personal umbrella policy provides additional liability coverage that goes beyond the limits of your other policies. So when the liability on your homeowner’s or auto insurance ends, your umbrella policy picks up from there. For instance, if an unexpected accident occurs on your property with costs exceeding your homeowners policy liability limits, the umbrella policy will cover the additional costs. This is why it’s essential to understand your homeowner coverage limits and learn why an umbrella policy makes sense for you.
Why is Summer the perfect time to consider an Umbrella Policy?
While every activity and hobby come with liability risks, the summer is full of even more risky activities. The summer is when we swim, are doing more driving, have bonfires, go boating, or have large parties and gatherings. Getting an umbrella policy in place before these summer activities could help give you peace of mind.
Are you interested in an umbrella insurance policy or just have questions? Our independent agents at Leigh Agency are ready to help. Let us make sure you and your family are covered this summer, so you can focus on enjoying the sun and warm weather!