Umbrella insurance is added protection that goes above and beyond a standard insurance policy. For example, a homeowner’s policy may not cover all unforeseen events that could happen in or around your property. But umbrella insurance isn’t just for your home. Read on to learn some reasons why you should consider purchasing umbrella insurance in Astoria, OR for added protection when it comes to these three scenarios.
1. You Love to Entertain Guests in Your Home
You’re the perfect hostess, or so you thought. While friends and family love to come to your home for your infamous dinner parties, game nights, or other events you love to host, did you know that there could be danger lurking nearby? Take, for example, a guest of a friend falls down the stairs, slips on the patio, or suffers some other unfortunate event that leads to injury and decides to sue you. This is where your umbrella insurance kicks in. It will help cover the costs of the lawsuit that your homeowner’s insurance won’t cover.
2. You Have Pets
Sometimes dogs bit and cats scratch. If a guest is at your home and has an unfortunate experience with one of your pets or if your pet gets lose and causes an injury, you could be sued. Without umbrella insurance, you may not be able to afford the attorney fees and other associated costs of a lawsuit.
3. You Have an Online Presence
Perhaps you have a blog or you’re an influencer on Instagram. Having an online presence puts you at risk for slander, which could ruin your reputation and any streams of income. However, with umbrella insurance, you will be able to file a lawsuit against the individual or institution who slandered you.
To learn more about umbrella insurance and how it can help you, contact Linda Dugan Insurance serving the Astoria, OR area. You can contact our friendly and knowledgeable agents at Linda Dugan Insurance at 503-440-3909.