How A Personal Umbrella Policy Gives You Added Peace of Mind

If you own a home or a car in Prescott Valley, AZ, chances are you’re already paying for insurance. But what if something happens and your insurance doesn’t cover the total cost? That’s where umbrella coverage from Manzanita Insurance comes in.

What is umbrella insurance?

Umbrella coverage is an extra layer of protection that can help pay for expenses that your regular insurance doesn’t cover. It can help protect you from lawsuits and even help cover the costs of damages caused by natural disasters. Adding umbrella coverage to your existing home or auto policy is a good idea because it gives you peace of mind knowing that you’re covered in an accident or disaster. It’s affordable and can save you a lot of money in the long run.

What does an umbrella insurance policy cover?

An umbrella insurance policy is an insurance policy that provides coverage over and above the limits of your auto or home insurance policy. It can provide additional protection in case of a lawsuit or other financial damages. An umbrella insurance policy can cover you for things like:

• Legal fees and expenses

• Damages awarded to the plaintiff in a lawsuit

• Settlements paid out of court

• Personal injury or property damage caused by you or your family members

• And more!

Umbrella insurance policies can be added to your auto and home insurance policies. You can customize them to fit your specific needs. Whether you’re seeking extra protection against lawsuits or want to insure your valuables, an umbrella insurance policy can give you the peace of mind you need.

Give Us A Call

Manzanita Insurance in Prescott Valley, AZ offers umbrella insurance to protect you from unexpected events. We’re here to help you choose the right coverage for your needs.

How Does Umbrella Insurance Work?

Your top priority is always to protect your family, property, and yourself. That is why you need different types of insurance. However, unfortunately, insurance does not always cover everything because it has its own limits. For this reason, you may want to get umbrella insurance – a type of insurance that adds extra liability coverage above other standard insurance policies, such as home and auto insurance for example. 

How Does Umbrella Insurance Work? 

Your personal umbrella insurance policy can expand your liability coverage in two ways. Most umbrella insurance policies increase liability coverage to $1 million or even more and also add new covered claims, including defamation, libel, and slander. 

If you are found liable in a lawsuit, your home, auto, or boat/watercraft policy will be able to cover damages up to a certain limit only. Once you exhaust the limit of your policies, you will have to pay the rest out of pocket. However, if you have umbrella insurance, it will kick in and cover the expenses. This is how umbrella insurance can protect you from serious financial losses.

It is important to remember though that it does not cover everything. For example, it will not cover your bodily injuries, damages to your personal property, intentional or criminal action, and claim that are not included in the underlying policy. 

Manzanita Insurance Serving Clients In Prescott, AZ – We Will Help You Find A Coverage You Need

If you live in Prescott, AZ or any other nearby town, and you are looking for proper insurance to protect yourself and your family, contact Manzanita Insurance. We provide a variety of quality insurance services, and we do our best to help our clients find an insurance policy they need based on their personal insurance needs and budget. Feel free to contact us if you have any questions or need more information about insurance policies available.