祸不单行……
Especially when it comes to unexpected accidents or claims…
什么是伞式大发888dafa?
You never know when it might rain. So, 顾名思义, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseeable mishaps.
Umbrella insurance does not cover:
- 你自己的医疗费用
- 财产损失
However, what exactly is covered by your umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from:
- Injuries you cause in a car accident
- Injuries someone suffers on your property
- Property damage you cause in an accident
- 宠物造成的财产损失
- Property damage a dependent or child causes
- Attorney fees and other legal costs
是的, your existing insurance may protect you to an extent, but an umbrella policy goes much further for less cost than upping the limits on your existing policy because it covers for different types of risks. Umbrella insurance is also portable, 在大多数情况下, so it can follow you when and wherever you travel.
Since the terms of umbrella insurance policies will vary, depending on insurance companies and your own personal needs, a qualified insurance agent from our firm is the best person with whom to discuss the benefits, 限制, and coverage from each carrier they represent.
并’t people with a lot of assets the only ones who need umbrella insurance?
实际上, 任何有工作的人, who expects to keep the income they earn, may benefit from having an umbrella insurance policy.
会发生什么, 例如, if someone made a delivery to your house, slipped on a sidewalk recently wet from your sprinkler system, and suffered severe head injuries from the fall. 他们当然会起诉你.
Your homeowners insurance kicks in and pays up to its maximum limits. But the jury finds that you are responsible for an extra $500,000 over your homeowner’s limits.
Ask yourself: How long would it take you to pay that off with your weekly paycheck?
Umbrella insurance covers the amount that exceeds your homeowners coverage, 通常高达500万美元, sparing you from a financial nightmare, along with paying the attorney to help you survive it.
保护伞保单贵吗??
Relative to the amount of protection you get, umbrella insurance is highly affordable. Especially since it is unlikely you will ever have to make a claim against it. So, your specific cost will be determined by:
- The amount of coverage you purchase
- Your insurance carrier’s provisions
- Your risk profile and driving record
You may save even more money by purchasing umbrella insurance from the same carrier who provides your home and/or auto insurance-check with us to make sure.
Tell me again why I need 伞式责任大发888dafa?
A long time ago, you set some goals, made a plan, worked hard, and got “there.” As you did, you accumulated possessions. Not to be ostentatious, but enough to make you and your loved ones comfortable.
You are rightly proud of these accomplishments. In fact, you have protected them with the best insurance you could.
现在，你需要额外的保护. An umbrella insurance policy that will cover you above and beyond what any single policy might cover.
For example: What are your limits on your auto and home liability policies: $300,000 to $500,000?
Okay, you say, the insurance will cover it. But what if the amount is over the policy limits?
Your standard home or auto policy may not be enough to cover what the plaintiff is asking for.
你将如何支付判决? How will you even defend yourself in such a lawsuit? Can you actually lose all you have strived for?
你当然可以. Not only can you lose what you worked for, you can lose part of your wages for the rest of your working life. (大多数人不知道这一点.)