Umbrella insurance is one of the most important – and often overlooked – types of insurance coverage. Stalwart Insurance serving residents of Pittsburgh, PA, can help you protect yourself against financial losses beyond what your standard auto, home, or business liability policy covers. Here are a few ways umbrella insurance can help you avoid financial ruin.
1. Expanded Coverage
The biggest advantage of umbrella insurance is that it expands coverage beyond what you already have. The coverage limits of an umbrella policy are typically higher than those offered by other insurance policies. This means it can provide coverage for damages exceeding your existing policies’ limits.
2. Greater Protection
Umbrella insurance provides greater protection against various claims, including libel and slander lawsuits, property damage caused by tenant negligence, and so much more. Umbrella insurance policies can help protect you from financial ruin due to a lawsuit or accident that would otherwise be outside the scope of your existing coverage.
3. Reduced Financial Risk
Umbrella insurance also reduces your financial risk in case of an unexpected event. In the event of an expensive judgment, it provides additional coverage to help protect your assets. This can be invaluable when it comes to avoiding financial ruin.
4. Peace of Mind
Finally, knowing you have the added security and protection provided by umbrella insurance policies can give you peace of mind that you won’t find elsewhere. Knowing that you are covered for various potential risks can help you sleep better at night.
Avoid Financial Ruin With Stalwart Insurance
Umbrella insurance is an innovative and affordable way to protect yourself against the unexpected. Stalwart Insurance serving residents of Pittsburgh, PA, can help you find the right umbrella insurance policy for your needs. Contact Stalwart Insurance today to learn more about how umbrella insurance can help you avoid financial ruin.
If you have a home and at least one car, you probably have experience with insurance policies. You need them for your vehicles to protect yourself and others. You also need one for your home, since it’s your biggest asset. But the policies you have may not always be enough, depending on your coverage level and other circumstances. Stalwart Insurance can help you find an umbrella insurance policy that will add to your existing coverage and give you more peace of mind if you’re in the Pittsburgh, PA area.
Umbrella policies do precisely what their name implies. They cover you and provide protection, over and above what you already have from your homeowners and vehicle policies. Some people choose to have an umbrella policy if they have a significant level of assets to be more fully protected if there are any claims made against their insurance by other parties. It’s unnecessary to have a high level of assets when you get an umbrella policy. There are plenty of options to choose from.
Working with knowledgeable agents can be very helpful if you’re in the Pittsburgh, PA area and interested in finding out more about umbrella insurance. You can get your questions answered and look at the different types and sizes of policies to pick the one that’s right for your needs.
Reach out to us at Stalwart Insurance today, and let us help you find the policy that will give you proper coverage and peace of mind. By working with professionals who can help, you’ll feel secure in the policy you have, what it covers, and the protection you’ll have if something unexpected should happen. Expecting the unexpected is a big part of what insurance is for, and we can help you get the right policy.
Umbrella insurance can come in incredibly handy, and you should consider how likely you are to need it. We will discuss this more in the article below.
Stalwart Insurance in Pittsburgh, PA is proud to offer umbrella insurance, and you can contact us if you think you might need it. We work with many providers, so you will be given several quote options.
How Likely Are You To Need It
Whether you need umbrella insurance or not depends on how likely you are to use it. In short, umbrella insurance is a type of liability insurance if you cause accidental harm to another person or their property.
Usually, your car insurance comes with some liability coverage if you are involved in an accident with your car, but you need to check how much this covers, as it’s usually not enough. Liability insurance is also not just relevant for a car accident, but can also be needed for:
- If you accidentally hurt someone or damage their valuables
- If you’re falsely arrested
- If you’re sued for mental harm to another person
- If your dog causes significant harm to another person
People Who Need Umbrella Insurance
While everyone could be at risk of the situations above, people in certain jobs will be more at risk of being sued for any of the above reasons. For example, journalists or lawyers risk accidentally harming someone mentally due to their job, so they should consider umbrella insurance, but also dog walkers, as they take responsibility for other people’s dogs whilst at work.
You can call Stalwart Insurance in Pittsburgh, PA to discuss umbrella insurance options, and we will talk you through the different quotes.
Anyone that lives in or around Pittsburgh, PA should have a proper personal insurance plan in place. One type of coverage to always consider getting in these situations is umbrella insurance. This is an important form of coverage that can provide you with personal liability protection. There are several advantages in particular for continuing to have this type of coverage.
Protection for Big Claims
A key advantage of having an umbrella insurance plan is that you will have protection for big claims. If you have been involved in an accident on the road or at home, you should have coverage through your auto and home insurance plans. However, there will be a limit to how much liability coverage you receive. If the accident is bad enough, damages could exceed the policy. In these situations, umbrella protection is helpful as it will provide the additional coverage you need.
Coverage for Additional Situations
It would be best to consider getting an umbrella plan to ensure that you are covered for more situations. An umbrella plan provides a blanket form of coverage that will protect against virtually any type of liability claim. As home or auto insurance plans do not cover many situations, this type of coverage could be quite valuable in some situations.
As you are looking for a personal insurance plan in Pittsburgh, PA, you must consider your umbrella insurance needs. Almost anyone would benefit from having this type of coverage. If you are interested in learning more about umbrella coverage, call Stalwart Insurance. It is the smart choice. The team with Stalwart Insurance can help you assess your insurance needs and provide the guidance you need to build a plan that offers the right type and level of coverage.
If you’re looking for additional levels of protection for your assets, umbrella insurance could be the right option for your needs. Even when you have policies on all the things that are important to you, it’s still possible to want or need higher levels of coverage. That’s where additional policies can come in that can provide you with an umbrella of protection you can count on to give you peace of mind.
At Stalwart Insurance, we’re committed to helping our Pittsburgh, PA area customers get the proper level of coverage they’re looking for. To do that, we want to make sure you know why an umbrella policy could be a great fit for your needs and lifestyle. Four important reasons to choose this extra level of coverage are:
- Additional protection brings you peace of mind.
- Your assets should always have adequate coverage.
- Sometimes other policies simply aren’t enough.
- More coverage can help protect your loved ones.
When you’re ready to add to your existing coverage or you have questions about your options, reaching out to agents who can help you is the best way to make good choices for your protection and peace of mind. We can help with that, as our dedicated professionals will be happy to share their knowledge and give you information about the policies that are available to you.
Reach out to us today at Stalwart Insurance, and let us help you choose the umbrella insurance policy that’s right for your needs and goals. If you’re in the Pittsburgh, PA area, we’re here to help you protect what’s important. Don’t settle for policies that don’t actually cover you properly or give you the level of protection you feel you need. When you want to add an extra layer to the policies you already have, we’ll help you choose the right option.
Are you aware of umbrella insurance and how it works? Even if you have insurance, you may not have realized that there are hidden areas of consideration that make it necessary to have additional insurance coverage. An agent like the ones at Stalwart Insurance of the Pittsburgh, PA area can help you understand it better.
What is umbrella insurance?
If you need a supplement to your primary insurance policy, including homeowner’s, renter’s, or auto insurance, that’s when you’d get umbrella insurance. This liability policy will cover a higher limit, and it handles a broader range of claims that relate to your automobile or home.
What is an umbrella policy good for?
The main reason you’d get such a policy is to protect assets in the instance there is an unforeseen event like an accident that you are responsible for for causing. If the other individual were to file a legal claim, umbrella insurance pays for any damages up to the limit set in your policy. It provides you with protection in the form of excess liability when it comes to libel, slander, legal fees, and false arrest fees.
When does umbrella insurance kick in?
You’d only use umbrella insurance after your primary policy limits have been surpassed, or it’s outside of your basic liability coverage. It doesn’t matter if you end up being found not to be responsible at the end. Your umbrella insurance will cover any amounts you owe over your regular insurance policy.
Want to know more about how umbrella insurance can fit your situation? Talk to an expert and set up your policy at Stalwart Insurance of the greater Pittsburg, PA area. You’re sure to be happy with the results.