Three things umbrella insurance covers

If you have not yet invested in an umbrella insurance policy, you should understand how important umbrella insurance coverage is for protecting your assets. At ALLConnecticut Insurance, we offer umbrella insurance coverage for consumers in West Hartford, CT.

The following are three things that umbrella insurance will cover for you to protect your assets.

Damages from injuries

You purchase home and auto insurance in part to cover the costs of any injuries resulting from an accident in your automobile or at your property. However, your home and auto insurance policies have policy limits. This means they will only pay out a certain amount to cover injury expenses.

Umbrella insurance provides coverage for injury expenses that are greater than the policy limits on your home, auto, or another type of insurance policy. 

Property damage expenses 

Another type of expense umbrella insurance can provide coverage for is property damage expenses. If you cause damage to another party’s property in your automobile and the property damage goes beyond your auto insurance coverage limits, your umbrella coverage kicks in.

Legal protection in the event of a lawsuit

It’s important that consumers don’t underestimate how expensive legal representation can be as a result of a lawsuit. If you get sued, your umbrella insurance coverage can cover the costs of hiring a lawyer to defend you. 

Legal expenses add up quickly, so this makes investing in umbrella insurance an especially good idea. Hiring an experienced lawyer to protect you in a lawsuit situation gives you peace of mind and ensures the best possible outcome for you. 

Ask us any questions you have about your umbrella insurance options and what umbrella insurance covers at ALLConnecticut Insurance. We’re happy to assist West Hartford, CT consumers with meeting their umbrella insurance coverage needs.