Greenup, Kentucky

Do You Need an Umbrella Policy? September 28, 2017

Greenup, Greenup
Do You Need an Umbrella Policy?, Greenup, Kentucky

After a serious injury or incident, it can be shocking to discover that your insurance doesn’t cover as much as you thought, leaving you on the hook for thousands of dollars. By providing extra coverage, an umbrella policy does a much better job of truly shielding you and your family from financial harm. For extra protection, individuals and families around Greenup, KY, have been working with Miller Harold D Insurance Agency to add umbrella policies to their plans. The insurance company has established a reputation for transparent and trustworthy service. 

The world is an unpredictable place — you never know what may happen and who may get hurt. Here are three ways an umbrella policy will cover holes in your current insurance plan. 

  • Personal Injuries: While you may be covered in the event of harm, you’re probably not protected against injuumbrella policyries to others. For instance, in an auto accident in which the other party sustains harm, you may be liable for their medical bills. You’ll also be covered if anyone gets injured on your property, whether it’s due to kids roughhousing or a tragic accident. 
  • Property Damage:  Car accidents are common, so it’s important that you buy insurance to protect yourself completely. Your insurance may not cover the full extent of the damage inflicted on the other party’s vehicle, which is where the umbrella policy will come in — letting you avoid paying out of pocket. Families with teenagers will also feel more secure with the insurance in the event any properties are vandalized as a juvenile prank. 
  • Lawsuits:  Although it may not come to mind often, lawsuits are an ever-present risk. In some cases, you can be sued just for being near an accident or crime. In others, you could face a lawsuit for harassment in the workplace, slander, or many other reasons. Even if these events seem like longshots, the insurance will more than pay for itself if someone sues you. 

To improve your insurance plan, reach out to Miller Harold D Insurance Agency about their umbrella policies. You can get in touch with a courteous staff member by calling (606) 473-6211. Learn more about the insurance agency and available policies by visiting their website

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