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You already know the importance of having insurance coverage for your home and vehicles, but is it enough? If you are presented with a lawsuit due to an accident or injury, your assets, savings, and income could be at risk.
A Sugarland Personal Umbrella Insurance policy can give you the additional coverage you need for greater peace of mind. These policies are affordable and can give you thousands, or even millions, of dollars in coverage beyond what the usual auto and home insurance policies are worth, and can be useful in many real-world scenarios.
1. Dependent Children
Teenagers and young children come with a lot of responsibility. If one of your children is involved in an accident or mishap, you could be held financially liable for any damages.
Younger drivers have a higher risk of being involved in a car accident due to inexperience. Additional liability coverage can help if you find yourself needing to pay for property damage, legal fees, or medical expenses.
Kids also spend a great deal of time on social media and can sometimes make thoughtless comments that hurt others. It’s possible that you or your child could face a personal injury lawsuit.
2. Frequent Entertaining at Your Home
Hosting social gatherings at your home can be a wonderful way to connect with friends and catch up with family members. However, all those extras that make your home a popular hang-out can increase the chance of an accident occurring.
Adults who participate in liquor-filled evenings may hold you responsible for an injury or accident that occurs after they imbibe too much. Children can sometimes get hurt when swimming in a pool or jumping on a trampoline. This doesn’t mean you should stop entertaining, but take steps to protect yourself with a Sugarland Personal Umbrella Insurance policy.
3. Nonprofit Work
If you are on the board for any type of nonprofit organization, then you would benefit from extra liability coverage. In the event of a lawsuit, the coverage provided for the group may only go so far. Having your own policy as a backup is a good idea.
4. Lengthy Commutes
It’s common sense that the more you drive, the more you risk being involved in an accident. A long commute to and from work increases your chance of an unfortunate collision that may result in you being financially responsible for damages.
5. Vacation and Rental Homes
Having a second home as a get-away spot or a rental place for additional income is fantastic. However, your liability increases as more people spend time on your property. When dealing with everyone from guests to cleaning and gardening staff, it’s best to have adequate coverage in place.
Lower your life’s stress with the security of an umbrella insurance policy. You and your family both will be provided for by the increased liability limits if an accident ever does occur.
About Transparity Insurance Services
Transparity Insurance Services was founded for the purpose of helping clients to ensure their property and assets with no hassle. We are committed to providing a simple, easy, efficient, and positive experience to all of our clients, and prioritize open and transparent communication with our clients. Through our excellent customer service and technology, we can help you to find the right insurance program at a competitive price. Contact us today at (855) 889-2037 to learn more about what we can do for you.