Safeguard your financial well-being with umbrella insurance—designed to cover costs that exceed your standard policy limits during a claim.
Additional Coverage for an Extra Layer of Protection
An umbrella insurance policy with home and car liability coverage provides crucial peace of mind when life throws unexpected challenges your way. While your auto and homeowners insurance policies cover many risks, they also come with liability caps. If you face a major accident or lawsuit that surpasses those limits, you could be held personally liable for the remainder. That’s where our umbrella insurance policies in Bennington step in—offering expanded coverage beyond your primary policies. At Eric Luebbe Insurance, we help our clients secure umbrella insurance policies that protect their long-term financial security.
Primarily Covers Liability Claims
Umbrella insurance focuses primarily on liability claims—incidents in which you’re legally responsible for injury or property damage to others. While it doesn’t usually cover damage to your own property or vehicle, our umbrella insurance for home and car liability coverage in Bennington shields you from significant out-of-pocket expenses if you’re found at fault.
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Property Damage Liability
Risk Factor
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
Lawsuits
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Watercraft Liability
Risk Factor
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Solution
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
Steps In When Liability Limits Are Exceeded
If your homeowners or auto insurance covers liability only up to a certain amount, and a claim goes beyond that, umbrella insurance picks up the difference—up to your umbrella coverage limit. This prevents you from facing overwhelming financial burdens after a lawsuit or serious accident.
How Does Umbrella Insurance Work?
Picture this: You’re involved in a car accident where the other party’s medical bills reach $750,000. If your auto insurance liability maxes out at $500,000, you’d be responsible for the $250,000 gap. With a Bennington umbrella insurance policy, your policy would cover that excess amount, protecting your assets.
How Can You Increase Your Personal Liability Limits?
Umbrella insurance is one of the most affordable ways to extend your liability coverage in Bennington beyond standard home, car, or boat insurance. It offers valuable protection against costly liability claims.
Who Is Covered Under an Umbrella Policy?
Typically, umbrella policies cover you, your spouse, and household members. When you connect with Eric Luebbe Insurance, we’ll help clarify exactly who your Bennington umbrella insurance policy protects.
Do You Need Umbrella Insurance in Bennington?
Umbrella insurance delivers crucial coverage at a surprisingly reasonable price. Ready to shield your financial future? Reach out to Eric Luebbe Insurance today for a personalized umbrella insurance quote in Bennington for car and home liability coverage.
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