4 reasons why you need umbrella insurance

Umbrella insurance offers you coverage over and above your existing insurance policy. It affords you that extra protection if a lawsuit is filed against you. Sometimes, expensive legal suits could exhaust your current coverage option leaving you exposed to financial uncertainties. That’s where your umbrella insurance coverage comes in handy. At Hart insurance, we write umbrella insurance for Federal Way, WA and surrounding areas.  Our coverage options across all our policies are tailored to afford you the ideal coverage that meets all your insurance needs.

Here are 4 reasons why you need umbrella insurance,

Extra auto liability insurance protection

If you are sued after a motor accident, and the court finds you culpable, it will order that you pay damages to the aggrieved party. In some instances, your auto liability insurance may be exhausted in a bid to cover the litigation fees plus the damages. Devoid of an umbrella insurance coverage, you might be compelled to set the difference from your personal funds. However, with an umbrella insurance coverage, you can easily top up the difference.

Extra home liability insurance coverage

A standard home insurance policy will include a liability insurance coverage that will protect you against legal suits leveled against you. However, if it is exhausted, the umbrella insurance coverage option steps in to cover the difference.

Peace of mind

With an umbrella insurance coverage in place, you can always rest assured knowing that there is an extra help if you exhaust your primary limits.

Saves you money

The extra out of pocket costs accrued after an initial limit is exhausted will dent your financial stability. With an umbrella insurance cover, you can save on such costs and keep your liquidity intact.

At Hart Insurance, we would like to get you covered today. Contact us and speak to one of our agents about an umbrella insurance coverage. You can use our online estimation tool for a free estimate of your coverage options.