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While you may find yourself in the position of needing a number of different insurance policies while living in Astoria, Oregon, you may also want to consider umbrella insurance. While there are a number of different agents out there who can set up an affordable umbrella insurance policy for you, look local first at a place like Linda Dugan Insurance, who serves the great Astoria, OR area and offer competitive rates. Below is more information about umbrella insurance policies, so you can make the most informed decision before setting one up for yourself.
WHAT IS UMBRELLA INSURANCE?
In short, umbrella insurance is a policy which protects you beyond the existing insurance policies you already have. This means that you will have added protection to your home and auto insurance polices in the form of added insurance that fills gaps that they do not cover, This specifically pertains to lawsuits that may be filed against you due to injury from a car accident or a fall at your home or property. With this umbrella insurance policy, you are protected from a lot of legal costs and possibly future legal judgement against you.
HOW MUCH DOES IT COST?
For about $200 per month you can usually get around one million dollars of coverage, though it depends on who you are and what your history is. For another $100 per month, another million dollars of liability is usually granted, though it is usually on a case by case basis per person who is setting up their umbrella policy.
WHO NEEDS IT?
Anyone who is worried about having a lawsuit filed against them for an auto accident, a home accident or libel or slander, which umbrella insurance policies also cover. While it’s tough to predict the future, one can get a sense of if they are more vulnerable to these types of issues than not.
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