In the same way that an umbrella protects you from rainy weather, an umbrella insurance policy protects your finances for all the storms of life. An umbrella policy provides liability protection above the basic limits of your home and auto policy. Accidents happen and these days the resulting litigation can result in huge settlements and expenses. In Astoria, OR, Linda Dugan Insurance has experienced agents who can help you to decide if you need to carry umbrella insurance.
Umbrella insurance known as excess liability insurance adds an additional layer of liability insurance. If your assets are more than just basic this may be important protection that you need. Your home is most likely the largest investment that you will ever make. Normal limits of home insurance liability are pretty basic and can give you a false impression of security.
When someone is injured while visiting your home or in of an automobile accident where you are at fault, they can sue you for damages. Basic liability coverage could leave your assets in jeopardy. An umbrella policy raises liability limits to a more financially acceptable amount.
If a case is filed against you, your umbrella insurance will offer assistance with legal costs which these days can be very high. Things such as a pet or a pool raise your risk level. An umbrella policy can help to protect the assets that you have worked so hard to accumulate and also the future assets that you may accumulate. You will be able to sleep better at night knowing that you have secured your future.
If you live in or near Astoria, OR why not stop by the office of Linda Dugan Insurance or give us a call. We have agents who are knowledgeable in umbrella insurance coverage and will be happy to discuss this with you.