Some people have all the luck. Others don’t. Whether you are in the happy-go-luckier first category or the more cautious second, things don’t always go the way you want them to – that’s why you have insurance, like homeowner’s insurance and auto insurance. When things go really wrong, there’s personal umbrella insurance.
Personal umbrella insurance is for when, no matter how well you have planned with your current insurance policies (or how lucky you tend to be), something happens and your needs go beyond standard liability coverage.
Say, if your auto, home, or boat liability limit is $300,000, and you’re responsible for an accident that results in significant bodily injury or death, the actual damages might far exceed your $300,000 policy. In this case, your home could be at risk when the courts seize your assets to cover the damage. Get the picture?
At O’Donovan Insurance, LLC, a family-owned independent insurance agency, we care about our clients. We believe everyone should not leave things up to chance. That’s why we are ready to talk about putting a personal umbrella insurance plan in place for your protection.