Life is unpredictable, so it’s best to be prepared for as many of life’s curveballs as possible. One way to protect yourself and your livelihood is having an Umbrella insurance policy. Umbrella insurance is designed to protect you and your assets from big-ticket lawsuit judgments against you. It provides added liability insurance that standard homeowner, auto and boat insurance policies alone can’t cover.

Some home, auto and boat insurance holders question whether Umbrella insurance is worth it. Here are some good reasons to consider purchasing Umbrella insurance.

Protecting You, Your Assets, Property and Future

  • Added protection if someone injures themselves on your property – Should someone injure themselves on your property, whether suffering a bite from your pet or any other injury for which you may be liable due to inadequate maintenance or an unsafe environment, your homeowners insurance will only cover so much if you’re sued. Umbrella insurance can cover the remainder of medical bills and legal defense if costs exceed the liability coverage on your homeowner’s policy.
  • Additional protection if you’re in a car accident and are sued – Although auto insurance is designed to protect you in these situations, it’s easy to exceed the liability coverage after medical bills, repair costs and legal fees are processed. An Umbrella policy can cover the rest of the costs up to the policy limits.
  • Protection against slander, libel and other lawsuits not covered by home or auto policies – Umbrella policies are dynamic, allowing for greater coverage in different types of lawsuits. An Umbrella policy can protect you should someone sue you for something you said over social media, covering legal costs and settlements. It also can cover false arrests and malicious prosecution.

Protect Yourself with an Umbrella Policy from Palm Desert Insurance

If you have sizeable assets and low coverage on your auto, home and boat insurance, experts advise that you take out an Umbrella policy for extra coverage. Palm Desert Insurance can help you with our comprehensive insurance solutions for individuals, families and businesses.

As a local, family-owned business, you can depend on us to identify the risks you face and make the right recommendations to protect you and your assets. If you are not sure whether you need the additional protection of umbrella insurance, your dedicated Palm Desert Insurance Agent can help you evaluate whether this type of coverage is for you. Contact us today to schedule a consultation.


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