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The Benefits of Umbrella Insurance

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. 

What are the advantages of having umbrella insurance?

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. 

Four Great Reasons to Have Umbrella Insurance

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.

How Umbrella Insurance Works

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.

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