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Do I Need Personal Umbrella Insurance?

Do I Need Personal Umbrella Insurance?

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Consider this scenario: one of your children’s friends is using your swimming pool, slips and falls, and severely injures themselves. While you did not intend for this to happen, you could be held personally liable for this child’s injury and the resulting damages could quickly exceed your insurance limits.

Accidents happen. Unanticipated events—such as auto accidents resulting in permanent injury of others, a family pet attacking a neighbor, or a campfire getting out of hand and starting a forest fire—can result in expensive lawsuits. These lawsuits often exceed the coverage offered by your personal auto, homeowner, condo unit owner, or renter policies.  Personal umbrella insurance offers you an extra layer of protection, increasing your limit to $1 million or more, for a modest price.

To evaluate whether or not you need personal umbrella insurance, consider your risk. Individuals with teenage drivers, pets, swimming pools, boats, snowmobiles, hunting equipment, and other large or dangerous personal property have a higher risk of unforeseen lawsuits. In addition, personal umbrella insurance is advantageous for individuals with significant assets to protect.  

Personal umbrella insurance can bring you peace of mind and protect your family from financial devastation. Your Independent Insurance Agent can help you determine if personal umbrella insurance is right for you.

Fairmont National Agency, Inc

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Through Social Media, Email Marketing, Local SEO and Reputation Management, we will help you increase repeat and referral business.

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We work with you to create innovative and effective social media strategies to amplify your message through digital "word of mouth".

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Our digital experts provide emails that offer quality content that increases the number of customer leads and revenue you get from email.

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SEM is a very effective way for businesses to reach new customers actively searching for your products/services, increase revenues, and trim acquisition costs.

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Our Banner/Display/Retargeting efforts drive traffic to your website and generate more customer leads through refined content that reaches your target audience.

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CF Digital Group has extensive experience in all forms of digital marketing. We will work with your team to determine the best advertising channels and tactics for your clients.

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We have the tools and techniques necessary to provide business owners digital marketing solutions that work.