Enhanced Protection with The Garrison Agency’s Umbrella Insurance
In an era where legal actions are increasingly common, the risk of facing a lawsuit is a reality that can threaten your hard-earned assets. The Garrison Agency, in partnership with Alfa, offers umbrella insurance to provide you with peace of mind and security against such uncertainties. This policy acts as a safety net, ensuring that your assets and future are safeguarded from the unexpected.
Why Umbrella Coverage is Essential
Umbrella coverage is a critical addition to your existing insurance portfolio, which may include life, auto, or home insurance. It’s an affordable solution to add an extra layer of liability protection. This coverage kicks in where your standard auto or homeowner’s liability limits end, offering an additional million dollars in coverage. It’s essential to have underlying home or auto insurance policies before you can add this type of coverage.
Coverage Under Personal Umbrella Liability Insurance
This policy extends to cover:
- Property Damage
- Bodily Injury
Lawsuits related to these areas can be financially draining, involving costs for investigation, settlement, and even lost income. Umbrella insurance covers these expenses up to the policy limit.
Scenarios Covered by Umbrella Insurance
Examples of situations where umbrella coverage can be invaluable include:
- Accidents on your property, such as a drowning in your pool
- Auto accidents caused by a family member
- Injuries to others occurring on your premises
Extended Protection for Various Pursuits
- Business Activities: Ideal for landlords, salespersons, and educators, offering additional business liability coverage.
- Farming Operations: Specialized coverage for farming-related lawsuits, extending to timberland and unused properties.
Navigating Your Insurance Needs
At The Garrison Agency, we are committed to guiding and educating you about the importance of insurance. While it’s not mandatory, its value in providing extensive coverage beyond standard policies is immense. Schedule an appointment to discuss your insurance needs with us and explore how this coverage can fortify your protection strategy.