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Who Should Have an Umbrella Policy?
Added Protection for Life’s What-Ifs
When it comes to protecting your family, your home, and your future, having the right insurance coverage in place is key. But what happens when the unexpected exceeds your existing policy limits? That’s where an umbrella insurance policy comes in.
What is Umbrella Insurance?
Umbrella insurance provides additional liability coverage beyond the limits of your auto, homeowners, or renters insurance. It helps cover large claims that could otherwise leave you paying out of pocket. Think of it as a financial safety net for life’s biggest “what-ifs.”
Who Should Consider an Umbrella Policy?
You should strongly consider an umbrella policy if you:
- Own a Home or Property — If someone is injured on your property and sues, your homeowner’s liability coverage may not be enough. An umbrella policy adds an extra layer of protection.
- Have Significant Savings or Assets — If you’ve worked hard to build your savings or investments, you’ll want to protect them from legal claims that go beyond your existing policy limits.
- Have a Teenage Driver at Home — Young drivers can unintentionally cause serious accidents. Umbrella insurance can help cover costs if a claim exceeds your auto insurance limits.
- Own a Swimming Pool, Trampoline, or Dog — These are considered “attractive nuisances” in the insurance world, meaning they increase the risk of someone getting injured on your property—and you being held responsible.
- Host Guests Frequently — If you enjoy hosting parties or gatherings, there’s always a chance of accidents or injuries on your property. Umbrella coverage offers peace of mind.
- Use Social Media Publicly — Yes, even online activity can lead to a lawsuit. If someone accuses you or your teen of defamation, slander, or libel, an umbrella policy can help cover legal costs.
- Serve on a Board or Volunteer Organization — If you’re active in community or volunteer work, an umbrella policy can provide protection in case of liability connected to your role.
It’s About Protecting Your Future
At Sablich Insurance Group, we help our clients understand the risks they face and how to prepare for them. An umbrella policy is an affordable way to gain high-limit liability protection and peace of mind.
Want to Learn More or Get a Quote?
Let’s talk about whether umbrella insurance is right for you. We’re here to help you protect what matters most—and raise your expectations for what an insurance partner should be.
Sablich Insurance Group is licensed in Pennsylvania and New Jersey.Who Should Have an Umbrella Policy? Added Protection for Life’s What-Ifs
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300 Brookside Avenue
Building 4, Suite 125
Ambler, PA 19002 - 215.402.7021
- info@sablichinsurance.com
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in Pennsylvania and New Jersey
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