We’ve seen far too many individuals in San Antonio, TX, come to us at Ellis Insurance Agency after they realize that their coverage wasn’t enough after something happened to their car or their home. This is why umbrella coverage exists. It helps cover you when the liability of your situation is more than the coverage indicated in your policy. When do you need umbrella coverage? These three situations are a great start.
1. You’re Hosting an Event
If you regularly host events on your property with a lot of guests, it is a good idea to add umbrella coverage to your insurance policy. The increased number of people increases the chance that one of them will get injured if something goes wrong during the event. In most cases, your traditional home insurance won’t cover you against this. You should especially consider this type of coverage if you have a pool.
2. You Have a Dog
Even if you can trust your dog, you can’t always trust other people around your dog. If your dog bites someone, you could be on the hook for a lot of money in medical bills. Any homeowner with a dog should add a rider that protects them if their dog injures someone or if someone else injures their dog. This coverage can also help offset the cost of veterinary bills.
3. Your Kids Start Driving
You would be surprised how many people aren’t properly covered on their auto insurance when their teenage children start driving. If your home is starting to fill with teenage drivers, reflect that on your auto insurance policy.
At Ellis Insurance Agency, we have been helping San Antonio, TX, residents get the appropriate level of insurance for their lifestyles for years. Contact us today to learn more about how we can save you money on insurance.
