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If you want extra protection against personal liability, an umbrella policy might serve you well. It picks up where your auto and home insurance leave off. Say you have more damage to your property than your regular policy covers. Then, umbrella insurance can bridge the gap. Contact Old Pueblo Insurance about extra coverage in Oro Valley, AZ.
What Does Umbrella Insurance Cover?
Umbrella insurance covers claims that exceed the amount of your original insurance. This commonly includes injuries, certain lawsuits, property damage, and personal liability situations. Examples of bodily injury covered by umbrella insurance include the cost of medical bills for a guest who falls in your house, a major accident you cause, and dog bites.
Property damage pays for losses of personal property. This might include vehicle damage in an accident you cause. Additionally, if you own a rental property, umbrella insurance can give you extra protection if someone trips over an ill-maintained sidewalk.
It also usually covers expenses related to libel, slander, false arrest, and mental anguish.
What Is Not Covered by Umbrella Insurance?
"Ineligible exposures" listed on your policy are not handled by umbrella insurance. There are exclusions for certain professions, including politics. Certain breeds of dogs are also excluded, as are preexisting lawsuits.
Other exclusions include commercial automobiles, intentional property damage or bodily injury, and intentional false statements. There are nuances to consider, such as an intentional injury due to self-defense.
Get an Umbrella Insurance Policy in Oro Valley, AZ
Talk to one of our agents at Old Pueblo Insurance to learn which umbrella policy would best meet your needs in Oro Valley. Contact us today to set up an appointment.
