What does umbrella insurance cover?

Umbrella insurance is an additional insurance policy that offers coverage above and beyond standard insurance policies. It also provides more protection than existing limits and coverage options of other policies. It can provide coverage for things, such as injuries, property damage, certain types of lawsuits, and even personal liability incidents.

How does an umbrella insurance policy work?

An umbrella insurance policy is designed to assist you in protecting your assets and your future in two very important ways:

Umbrella insurance can provide coverage after your auto, boat, or home insurance policy limits have been used to their limits.

Umbrella insurance provides coverage for things that other types of insurance policies do not offer, such as claims for a false arrest, libel and slander, and liability coverage for rental houses, apartment, condos, or mobile homes you may own.

What does umbrella insurance cover?

Umbrella insurance can cover Injuries to guests sustained on your property or due to an accident that is your fault, property damages caused by you, or that you are accused of causing, certain types of lawsuits, and personal liability incidents.

Bodily injury claims that umbrella insurance will cover can include injuries caused to another by a dog you own, a serious auto accident after your auto insurance has reached its limits, and injuries to a guest that they sustained while on your property.

Umbrella policies can be obtained to cover your home or business and is a great way to provide not only extra insurance coverage but extra peace of mind. To obtain an umbrella insurance policy that works best for you and your situation, you need to enlist the help of an experienced insurance agent. The umbrella insurance agents at Singh Insurance and Financial Services, LLC in Clermont, FL are ready to assist you.

Home Safety Tips & Your Homeowner’s Insurance

Home should be the one place where everyone in your family feels safe and secure. Your home should reflect your family’s lifestyle. We work hard for our home and it should be protected.

Unfortunately, it’s a fact of life that there are bad people who want to do us harm and steal our treasured possessions. Whether we’re tucked into bed or heading out for a vacation, by taking a few small steps, you can ensure your family and your home remain safe.

•Lock-up – Check doors and windows for security and keep locked when not in use. Installing alarms or ourdoor lighting can help protect against unwanted burglars.

•Establish a Routine –Use timers to keep up the appearance of a routine inside the home. Lights and music/TV should go on at a regular time each time, regardless of where you are. When you leave home you can leave lights on to give the appearance of someone being home.

•Go High-Tech – There are great options for affordable home security. From security cameras which can broadcast your home from an app on your phone to full-house systems with central monitoring, a home security system is affordable and easy to install.

•Don’t Broadcast –Social media is one of the easiest ways for the bad guys to find out your plans. They watch for vacation pictures and “check-ins”. Keep your plans off the Internet and make sure only true friends can see your posts. It’s easier than ever for you to keep your family and your home safe.

•As you purchase new electronics or home furnishings update your homeowner’s insurance to have adequate coverage.

Follow these few tips and explore the many new ways to secure your home. If you have any questions about protecting your home call us today.