Umbrellas don’t only protect you from the rain. Discover how umbrella insurance policies with Livingston Insurance Agency give you an extra layer of coverage.
Umbrella insurance can kick in when the primary policy stops paying. But do you really need it? It’s impossible to predict a catastrophic event that could cause your financial demise. However, it is possible to protect yourself before it happens. Buying additional coverage from Livingston Insurance Agency ensures you don’t go bankrupt paying for a liability claim.
Do You Need Umbrella Insurance?
You keep an umbrella on hand in case it starts raining, and you buy umbrella insurance for the same reason. Primary insurance covers claims up to a certain dollar amount. But what if the other party demands more? That’s when an umbrella policy kicks in.
Umbrella insurance is a type of extra or additional liability coverage. It protects your assets if you are in a liability lawsuit or claim. Adding a policy to your existing homeowner, auto, and other insurance policies provides extra coverage and peace of mind.
Excess Policy vs. Umbrella Policy
Excess and umbrella policies are often confused with each other. Some people mistakenly assume they are the same thing. However, they are different types of coverage.
What’s the difference? Excess insurance covers losses that exceed the primary insurance limits. It’s a close to “follow form” policy. Umbrella insurance doesn’t have a follow form provision and can add coverage not already offered by the primary policy.
Need Umbrella Insurance? Livingston Has You Covered!
No two individuals have the exact insurance needs. That’s why Livingston Insurance Agency personalizes policies for every client. We offer a full range of products, including excess and umbrella coverage. With over 60 years of experience, you can count on us to ensure you never get caught in the rain unprotected.
Wonder if you need additional coverage? Get coverage today with an umbrella insurance policy.