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Top 3 Reasons to Consider Umbrella Insurance

 

At All About Insurance, we believe protecting your future goes beyond just the basics. Umbrella insurance provides an extra layer of liability coverage that kicks in when your home or auto policies reach their limit. Here’s why it matters:

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1. Extra Liability Protection

Standard home and auto insurance policies only go so far. With today’s rising costs of vehicles, homes, and medical care, those limits may fall short in a major claim. Umbrella insurance offers higher coverage limits—in affordable increments—so you’re protected from significant financial loss.

2. Legal Defense Costs

Even if a claim against you is exaggerated or unfounded, you still have to defend yourself—and legal fees can add up fast. Umbrella policies typically include legal defense, helping to cover attorney fees, court costs, and more.

3. Broader Coverage

Umbrella insurance can be modified to cover risks not typically included in standard policies. That includes things like slander, libel, rental property liability, or even coverage for teen drivers and high-net-worth assets.

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How Umbrella Coverage Works

Umbrella policies start at $1 million in additional protection, with options up to $5 million or more. To qualify, your auto policy must carry at least $250,000/$500,000 liability limits.

Example:
You cause a car accident and the damages total $1.5 million. Your auto policy pays its maximum of $500,000, and you’re still responsible for the remaining $1 million. Without an umbrella policy, that amount comes out of your income or assets. With a $1 million umbrella policy, you're covered.

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Why It’s a Smart Move

Umbrella coverage offers high-value protection at a fraction of the cost of most homeowner premiums. In fact, it’s one of the best deals in insurance today. It’s peace of mind—for your family, your finances, and your future.

Need a quote? We can run quick estimates and help you decide if umbrella coverage makes sense for your situation.

📞 Call All About Insurance at 970-292-8116 for a no-obligation quote today.

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