Umbrella Insurance

What Is Umbrella Policy?

This is an insurance policy that offers extra liability coverage to cater to any financial obligations above the limit of home, auto, or watercraft insurance. This insurance coverage will provide you with an additional layer of security when at risk of being sued for injuries caused to others or other people's property damage. Getting the right coverage is essential. Our agents at partners central in Missouri will guide you in choosing a suitable policy.

What is Covered By Umbrella Insurance?

Protecting your loved ones and property is always a top priority, but what happens when there are limits to how far you can protect them? An umbrella insurance policy covers potential devastating claims over and above the limits of your existing coverage. This includes such items as bodily injury, personal injury, property damage, or legal fees. Our Partners Central agents will be able to assist you in identifying potential risks in your home or business that you would want to be covered.

Why Do You Need Umbrella Insurance?

Insurance companies have limits on the liability coverage on homeowners, auto insurance, and watercraft policies. These policies mainly cover medical bills, lost wages, and legal fees. Where several claims are made in such a policy, the limits are exceeded. The financial responsibility thus falls on you. Where lawsuits are involved, your personal property is seized. In Missouri, drivers are often held accountable for bodily or property damage resulting from an accident.

An umbrella insurance policy will protect you from financial costs that your existing insurance coverage may fail to cover or additional financial obligations above the current insurance limit. In case of a lawsuit, it would be impossible to tell how much you will be charged or the legal fees you are likely to incur. You could also incur losses for failing to attend to your business or place of employment. Our customer-centric agents at Partners Central will guide you in choosing a policy that best suits your needs and keeps you safe. Call us today!