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Chambers Bay Insurance

7017 27th St W, Suite 1
University Place, WA 98466

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Washington Umbrella insurance coverage

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Umbrella Insurance

Umbrella Insurance to Extend your Limits

While you might have insurance, some claims might be too much to be covered by regular insurance policies. This makes it essential to have extra insurance coverage. Umbrella insurance is extra liability insurance. It protects you from major lawsuits and claims thus helping in protecting your assets and your future. The following are some of the types of coverage offered with umbrella insurance..

Bodily Injury Liability – It covers the claims that might arise due to damages to another person’s body. It pays medical bills, compensation for pain and suffering, and lost wages due to bodily injury. Injuries can be as a result of:

  • The harm caused to others as a result of your dog
  • Bodily injury to other people in an accident in which you are at fault
  • injuries sustained by a guest in your home due to a fall

Property liability coverage – It pays the claims that might arise due to damaging someone else’s property. For instance:

  • Your child accidentally damages property at school
  • Damage to vehicles and other property as a result of an auto accident where you are at fault
  • Damage claims arising from when your pet damages someone else’s property

Owners of Rental Units – If you own rental houses, it protects against lawsuits for:

  • Shock/mental anguish
  • False imprisonment, arrest, or detention
  • Slander (a spoken statement that is injurious)
  • Malicious prosecution
  • Other personal liability situations

These liability situations occur for varied reasons such as:

  • Your pet may cause harm to another person, making you liable for the injuries.
  • A crack on the pavement of your property may cause someone to trip and sue you for damages.

Having conventional insurance coverage of homeowner’s insurance and auto insurance is not enough. The world throws a lot of stuff at you, that is why you need umbrella insurance to cover you beyond the scope of other insurance policies. Call or visit us at Chambers Bay Insurance for a quote.

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