Umbrella insurance is a type of liability insurance that provides an extra layer of protection beyond the coverage limits of your existing home, auto, or other primary insurance policies. It is basically a safety net of sorts that offers extended coverage to the policies you already have in place. Our agents at the RH Worthington Group serving the Milford, PA area alright explaining the importance of having this extra layer of protection along with your other insurance policies.

What Does Umbrella Insurance Cover?

For one thing, umbrella insurance can help you out when it comes to personal liability. This means if you’re found to be responsible for causing an injury to someone or damaging their property, umbrella insurance can help you cover not only their medical bills when they exceed your original policy but also legal fees and even legal settlements if necessary.

Umbrella insurance added to your auto liability policy can come in handy if you are at fault in a very serious auto accident. Your umbrella insurance can cover medical expenses, property damage, and legal fees that exceed what is already included in your auto liability insurance policy.

If you add umbrella insurance to your home liability policy, it will come in handy if someone is injured while they are on your property, For example, if your dog bites someone and their medical expenses exceed your homeowners or renters insurance limits, your umbrella insurance will pick up the rest.

An umbrella policy can even cover if you are possibly arrested or detained for some reason as well as if you are sued for slander or libel.

Consult With Us

To add an umbrella insurance policy to your existing policies, call upon our experienced and knowledgeable agents at the RH Worthington Group serving the Milford, PA area today!