{"id":429,"date":"2017-10-06T23:32:56","date_gmt":"2017-10-06T23:32:56","guid":{"rendered":"http:\/\/teagueins.wpengine.com\/?p=429"},"modified":"2018-03-30T00:03:44","modified_gmt":"2018-03-30T00:03:44","slug":"do-you-need-umbrella-insurance","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/2017\/10\/06\/do-you-need-umbrella-insurance\/","title":{"rendered":"Do You Need Umbrella Insurance?"},"content":{"rendered":"<div id=\"blog_content\">\n<p>One of the most certain things in life is uncertainty. Your dog could bite the neighbor\u2019s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost of damages \u2013 injuries, property destruction, emotional distress, lost wages and more.<\/p>\n<p>Good thing you have insurance. But wait, what if your policy covers $300,000 of liability, and in a lawsuit you\u2019re judged liable for $1 million? That leaves $700,000 left to pay. How will you cover it?<\/p>\n<p>If you have <a href=\"http:\/\/www.teagueins.com\/personal-insurance\/umbrella-policies\/\">umbrella insurance<\/a> and your policy covers the incident, the additional $700,000 will come from your policy. If not, it will come from the assets you have now, such as your home and savings, and from future assets, such as your wages or inheritance.<\/p>\n<p>The fact is, it only takes one serious accident and a resulting lawsuit to put everything you own \u2013 and will own \u2013 at risk. And it only takes one umbrella policy to help protect it all.<\/p>\n<p>Here are a few things you should know about umbrella insurance:<\/p>\n<ul>\n<li>Personal umbrella policies typically offer between one and five million dollars of liability coverage. Consider your net worth when choosing your coverage \u2013 you could be sued for everything you have.<\/li>\n<li>An umbrella policy is not a stand-alone policy. Your insurance carrier will typically require you to meet certain qualifications, such as having an auto policy with a certain level of liability coverage, in order to purchase umbrella insurance.<\/li>\n<li>Even when you have umbrella insurance, your car or home insurance is your first line of defense. For example, if you are liable for $2 million in a car accident and your auto insurance covers $500,000 of liability, your auto policy covers the first $500,000. Your umbrella policy covers the remaining $1.5 million, assuming your policy covers the incident and that you purchased that much coverage. If you are liable for $250,000 in an accident on your property and your homeowners insurance covers $300,000, your umbrella policy won\u2019t be needed.<\/li>\n<li>If you insure a motorcycle, ATV, golf cart, snowmobile, motorhome, or watercraft, your umbrella policy may provide additional liability coverage on top of those policies as well. Be sure to check with your agent to confirm your coverage on these types of vehicles.<\/li>\n<li>A single umbrella policy typically covers all of your family members who are residents of your household.<\/li>\n<\/ul>\n<p>Essentially, an umbrella policy gives you excess liability coverage on top of what your other policies provide. If you\u2019re at fault for a serious accident, you\u2019ll need it.<\/p>\n<p>Umbrella insurance also gives you liability coverage in instances where other policies don\u2019t. Examples include driving in a foreign country or renting a boat.<\/p>\n<p>If you\u2019re curious about how umbrella insurance might play a role in protecting the life you\u2019ve built or plan to build, <a href=\"https:\/\/www.teagueins.com\/contact\">talk to us today<\/a>.<\/p>\n<p class=\"article_credit\"><a title=\"Do You Need Umbrella Insurance?\" href=\"https:\/\/www.safeco.com\/blog\/do-you-need-umbrella-insurance\" target=\"_blank\" rel=\"noopener\">Reposted with permission from the original author, Safeco Insurance.<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>One of the most certain things in life is uncertainty. Your dog could bite the neighbor\u2019s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could result in a multi-car accident. And you could be held liable to others for the cost [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":434,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13],"tags":[],"class_list":["post-429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need Umbrella Insurance? - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/2017\/10\/06\/do-you-need-umbrella-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do You Need Umbrella Insurance?\" \/>\n<meta property=\"og:description\" content=\"One of the most certain things in life is uncertainty. 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