Who should get umbrella insurance?

If you live in the Hilliard, OH area, it is vital that you have proper liability insurance in place. One form of liability insurance that can be very helpful is umbrella insurance. When you do get this type of insurance, it can provide you with coverage beyond what you would receive from a home or an auto insurance policy. There are several situations when someone should get umbrella insurance as added liability protection. 

Those at Higher Risk for Uncovered Situations

One situation when you should get umbrella coverage is if you are at risk for liability scenarios that would not be covered under your base policies. Some scenarios that could result in a liability lawsuit that would not be covered under a base policy can include slander, mental anguish, or false imprisonment. If you are at risk for any of these liability scenarios, the additional umbrella coverage could be beneficial. 

Additional Coverage for Peace of Mind

You should also consider getting this insurance if you would like additional coverage for peace of mind. If you are involved in a major accident that causes a lot of damage, it could exhaust your liability coverage in your auto and home policies. If this occurs, your umbrella insurance will begin to provide you with more coverage, which could provide peace of mind. 

There are plenty of situations when getting additional liability protection through umbrella insurance would be advantageous. When you are shopping for this type of coverage, you should call the Stanley Insurance Group. When calling the Stanley Insurance Group in Hilliard, OH, you will receive personalized guidance that can help to evaluate your insurance needs. Based on this assessment, it will be easier to determine whether you should get this coverage and how much protection is necessary.