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Buying homeowners and auto insurance is a great way to protect your family’s finances, but these policies have limits that may not be enough in today’s litigious society. The cost of a liability lawsuit can be exceptionally high, exceeding your policy limits several times over. Think about it this way: If you’re sued for $2 million dollars after a car accident but your policy tops off at $500,000, the remainder of the sum will have to come from your personal nest egg.

Luckily, umbrella insurance is designed to add another layer of protection on top of your existing policies to expand your coverage limits up to $10 million (depending on your policy). But what exactly might lead to such high costs?

Any liability cases involving your home, car, pet, child, boat etc. could lead to a lawsuit. For instance, a guest may slip on a loose step and tumble down the stairs in your home or a neighbor’s child may drown in your swimming pool when you stepped away for just a second.

Essentially, umbrella insurance extends your liability coverage for bodily injury and property damage, while covering situations that may not be covered with your homeowners or auto insurance. These can include libel, slander, defamation of character, false arrest, vacation rental liability, landlord liability and worldwide coverage.

Umbrella insurance acts as a security blanket so you don’t have to deplete your retirement savings or your children’s college funds to pay for a liability incident. Our agents can assess your needs and help you find the right policy for the right price.

Want extra protection for your family’s finances? Call G & H Financial Services Inc at 281-395-5497 for more information on Houston umbrella insurance.

Posted 7:41 AM  View Comments

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