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Charleston, SC 29407

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Umbrella Insurance Explained

You can never predict life. A friend might come to enjoy a swimming session at your home, then slips and becomes paralyzed. Or perhaps, your dog can attack a passerby, inflicting severe injuries. Since we don’t know what the future holds, umbrella insurance can cushion you when the unthinkable happens. 

But what is umbrella insurance? What does it cover? Do you want to find out? Keep reading as B&A Insurance LLC of Charleston, SC, shares basics you need to know about umbrella insurance.

What is umbrella insurance?

It’s a separate coverage on top of your boat, home, business, or auto insurance that adds extra liability coverage. Umbrella insurance comes in handy when your conventional coverages run out. For instance, assume you have liability coverage of $50,000 for your home. You throw a party, and an intoxicated guest falls off the balcony, injuring their spine.

While the accident was unintentional, you may still be held responsible for medical costs. Suppose the medical expenses of the injured guest rise to $75,000. While your home insurance will cover $50,000, you will have to finance the deficit of $25,000 from your pocket. And worse yet, this amount can go up if the guest sues you for lost wages, negligence, and so on. Thankfully, if you have umbrella insurance, it takes over from where your home insurance leaves off.

Now you see why you need umbrella insurance? 

What is covered under umbrella insurance?

Since umbrella insurance is liability coverage, it covers other people and not you or your assets. For example, assume you cause a severe accident, causing multiple injuries. In this case, your auto insurance will pay your medical costs and physical damage to your vehicle. 

On the other hand, your car insurance liability coverage will pay for the medical costs of the injured. However, since the accident was severe, the car insurance is likely to run out. And that’s where umbrella insurance picks off.

In summary, umbrella insurance covers you when others accuse you of:

  • Bodily injury
  • Property damage
  • Personal liabilities, including slander, false arrest, and libel

Are you looking for umbrella insurance in Charleston, SC? Don’t hesitate to get in touch with B&A Insurance LLC for a competitive quote.


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