Umbrella Insurance

Umbrella insurance provides coverage for:

• Injuries
• Damage to property
• Certain lawsuits
• Personal liability situations listed below

You’re thinking, “I have auto and homeowners insurance that covers some of these situations.” True! But, umbrella insurance insures you above and beyond the limits of those policies and covers some situations that aren’t covered by the other types of policies. And rates are less than you think! Call (972)665-8608 for a free rate quote.

Here are examples of the types of coverages provided by an umbrella policy and how they protect you:

Bodily Injury Liability – covers the cost of damages to another person’s body. Examples include the cost of medical bills and/or liability claims as a result of:

• Injuries to other parties due to a serious auto accident where you are at fault
• Harm caused to others as a result of your dog (yeah, you probably should have taken him to obedience school)
• Injuries sustained by a guest in your home due to a fall
• Injuries sustained by a neighbor’s child who falls while playing in your yard

Property Damage Liability – covers the cost of damage or loss to another person’s tangible property. Examples include the cost associated with:

• Damage to vehicles and other property as a result of an auto accident where you are at fault
• Damage claims incurred when your pet rips a friend’s priceless oriental rug to shreds
• Accidental damage to school property caused by your child (hey, you can\’t disown them)

Owners of Rental Units – helps protect against liability that you may face as a landlord. Examples include the cost of liability claims as a result of:

• Someone tripping over a crack in the sidewalk of your rental property and suing you for damages
• Your tenant’s dog biting someone and you being held responsible for the injuries

Coverage is also provided should you be sued for:

• Slander – injurious spoken statement
• Libel – injurious written statement
• False arrest, detention, or imprisonment
• Malicious prosecution
• Shock/mental anguish
• Other personal liability situations