Because we live in an unpredictable world where unforeseen disasters can happen at any time, you should seriously consider the importance of umbrella insurance in protecting your personal assets. Your home and auto liability coverage offer some measure of protection against accidents you cause that result in injuries or damages to others on the road or on your property. If these injuries or damages exceed the limits of your home or auto policy, however, how will you pay for remaining costs? If your teen causes an accident that seriously injures another driver or a visitor accidentally drowns in your pool, would you have sufficient coverage to handle the fallout? Umbrella insurance picks up where other forms of insurance leave off, protecting you from having to pay these costs out of pocket.

Understanding Umbrella Coverage

Umbrella insurance serves as a secondary protection to your home or car liability coverage. It does not come as a “stand-alone” policy. You can, however, supplement your car, boat or home liability insurance with an umbrella policy. Once your home or auto liability limits have been exhausted, your umbrella policy will pay remaining personal injury or property damage costs. This could save you thousands of dollars out of pocket. Umbrella insurance also covers litigation costs in the event you are sued for damages due to accidents you cause. Lawsuits are commonplace in society today, putting consumers at risk of losing hard-earned personal assets at the drop of a hat.

With umbrella coverage, you can be prepared against any eventuality. This includes accidents at home, on the road, when sailing your boat, traveling in your motorhome, on vacation abroad or even accidental injuries caused by your dog. Umbrella insurance can help protect your savings and retirement funds, home, car, and other personal assets from the risk of lawsuits. When home and auto liability coverage isn’t enough, having umbrella protection will more than pay off.

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Niceville Insurance Agency

Niceville Insurance Agency has been proudly serving our local communities since 1995. Our specialty has been delivering insurance solutions for individuals, families, and businesses throughout Northwest Florida. Contact us for a no hassle insurance quote today!

Located in Niceville, FL.

Louis Skinner is the owner of Niceville Insurance and is still an active agent within the office. He has been in the insurance industry since 1993 and started NIA in 1995 specializing in Personal, Commercial and Life insurance. His wealth of knowledge is invaluable to the staff and is well respected in the Niceville community. Louis contributes to community service through his memberships in the Niceville/Valparaiso Chamber of Commerce and First Baptist Church of Niceville. He is a former member and President of the Niceville/Valparaiso Rotary Club. Louis’ time away from work is spent with his wife and son, Kendra and Blake. The family enjoys any type of outside activity, especially hunting, fishing and boating.