There are times when a little extra coverage can go a long way. Umbrella Policies offer additional coverages above what the standard homeowner’s, flood, and auto limits may cover.
Umbrella coverage is meant to protect you in incidents such as bodily or personal injury, property damage claims, or judgments once your other coverage limits have been exhausted. Learn more about Umbrella policies below:
Bodily Injury Liability
Injuries sustained by another person because of an accident may be covered through this policy option. This could include payments for medical bills or liability claims due to a variety of accidents such as:
- A serious car accident resulting in severe injuries to several people.
- A guest slips and falls in your kitchen.
- A neighbor's child gets injured while playing on your yard.
Property Damage Liability
Property damage liability covers the damage or loss to another person’s property caused by you and those covered by your policy. Examples of this coverage can include damage to another person’s car if you’re at fault in a collision or help cover the cost of expensive school equipment your child accidentally broke.
Legal Expenses
Legal expenses may be covered stemming from a lawsuit over a bodily injury or property damage incident, as mentioned above. Coverage may be extended regardless of whether you are found at fault.
Coverage can also be provided if you're sued for:
- Slander: An injurious spoken statement
- Libel: An injurious written statement
- False arrest, detention, or imprisonment
- Malicious prosecution
- Shock/mental anguish
Let Us Help You Navigate Insurance
In a sea of options, the Windward Insurance Agency can help you find the right insurance coverage for you and your family. We have cultivated relationships with the top carriers in our State who are ready to provide quotes and options to those we represent. Let us help you navigate insurance, start by getting a quote online or call us today at 866-231-2433 for assistance.
