Umbrella insurance – which sounds like insurance for the actual umbrella you carry 24/7 in Washington – is extra liability insurance that you purchase ion top of your regular insurance policies, be they for personal or business. As its name implies, umbrella insurance sits above your other insurance policies like an umbrella, providing added financial protection in the event that other policies cannot cover the loss.
It used to be that only the very wealthy needed umbrella insurance. Unfortunately, in today’s sue-happy atmosphere, anyone can be taken to court for almost any reason at just about any time, so umbrella insurance provides added protection against losses. If someone trips over a pile of hiking gear you’re donating and lands in your driveway, or your tree falls on a neighbor’s house during a rainstorm (because what other kind of storm would it ever be in WA?!), they can successfully sue you for damages. Anything that happens on your property or because of your property is fair game and not always covered by traditional homeowners insurance. Umbrella policies provide protection in many situations that usual liability policies don’t cover.
If you are looking for Washington umbrella insurance, Vern Fonk offers absurdly affordable rates and a wide assortment of policies to keep you protected.