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Most people are familiar with the basics of home, life, and car insurance, since they are very common and, in some cases, required by law. However, you may not be aware of another important type of coverage. Umbrella liability insurance can protect you and your family against devastating financial losses. Jenkins & Bevan Insurance, the most trusted and experienced independent insurance agency in Amherst, OH, explains below what umbrella liability insurance is and how it will benefit you. For more than 60 years, they have been offering quality commercial and personal insurance and helping customers select coverage that meets their needs and fits their budget.

What Is Umbrella Liability Insurance?

Umbrella liability insurance is extra coverage that protects you against financial loss due to major legal claims. It starts where other liability policies end. For instance, if you are found to be at fault in an automobile accident, it covers any damages that exceed the limits of your car insurance policy's liability amounts. Moreover, it also covers you for claims other liability policies exclude.

What Does Umbrella Liability Insurance Cover?

liability insuranceUmbrella liability insurance covers the medical costs for injuries to others on your premises or for which you are deemed at fault, including injuries caused by your dog. It also covers the cost to repair or replace others’ property, such as when you run a red light and sideswipe another vehicle or when your child breaks a neighbor's picture window with a snowball. It covers legal liability on rental properties, including trip and fall accidents and injuries due to an attack by a tenant's dog. Finally, it covers you when you're sued for a false arrest, causing mental anguish, or other situations.

Jenkins & Bevan Insurance has been in business since 1954, so they have the experience and expertise you need to help you choose the right home, life, liability, or car insurance policy. Visit their company website for contact information, or call (440) 984-6771 to speak to a friendly professional about your business or personal insurance needs.

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