Umbrella insurance is an optional supplemental insurance policy that fills the gap not covered by your home and auto liability insurance. Here are six reasons why you need umbrella insurance now:

You have a teenage driver

Young and inexperienced drivers who are new to the road increase the likelihood of being involved in a car accident. Umbrella insurance will pay over and above your policy’s liability limits if your teenage child is involved in a car accident and damages their vehicle or injures another person.

You have a swimming pool

Homeowners can be sued if another person is injured on their property. This risk is greatly increased if there is a swimming pool on the property, which can lead to a fall or a head or neck injury.

You have a long commute

Long commutes and heavy traffic can be dangerous. Car accidents can result in serious injury or even death. Drivers, their passengers, their estates, or their families may sue for lost earnings, past, and future medical expenses, pain and suffering, and earning capacity.

You own a dog

If your dog bites another person or causes injury to someone else, whether on your property or off, you are held liable. This is where umbrella coverage can fill the gap between what your homeowners’ liability will cover and what you are being sued for.

Make sure though that there is no clause that states canine liability exclusion. 

You enjoy partying

Being a good host is all good and well until someone is injured on your property. Umbrella coverage can help fill the gap in your homeowners’ liability coverage. 

You own a trampoline

If you have kids and you own a trampoline, then there’s a possibility your children may invite their friends over to join in the fun. You will be held liable if someone is injured on your property and umbrella insurance can help.

Speak to an expert at Agency Advantage Insurance serving West Bloomfield, MI today to see what insurance policy is best suited for you and your family.