You buy insurance policies to protect various aspects of your life, such as your home, businesses, and vehicles, but have you ever thought about a policy that focuses on you? Personal umbrella insurance is designed to protect you, your family, and your assets, especially in the event of a lawsuit. If you live in Central Valley, CA, you may want to consider purchasing umbrella insurance for the following reasons.
You Are Driver
Many things can happen when you are behind the wheel, and sometimes it doesn’t matter how skilled you are because you never know who you will meet on the roads. It could be a careless or uninsured driver. That’s why Manteca Insurance & Financial Services recommends buying both umbrella and auto insurance. If your auto insurance policy gets depleted, umbrella insurance can come in and settle the rest.
You Are a Parent To a Toddler, Teenager, or Pet Owner
If you have children in your home, you can easily find yourself facing harsh lawsuits for accidents such as car scratching, breaking a neighbor’s window, your dog biting your neighbor, or your child beating other children in school. For this reason, you want to make sure that your umbrella insurance can save you and your family.
You Interact With People
If you are a social person, the chances are that there will be conversations that won’t go well. Whether you are chatting on Facebook, Twitter, or face-to-face, insulting someone can land you into serious trouble for slander, libel, or defamation of character. You will need umbrella insurance to pay your defense fees and other legal fees.
You Own Businesses and Property
You are responsible for anything that happens at your business premises or property. Besides the typical slip and fall, more sinister accidents can happen, such as a person being killed, fire, or theft.
For more information about umbrella insurance, contact Manteca Insurance & Financial Services in Central Valley, CA today!