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Dover, NH 03820

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New Hampshire Insurance Blog

Situations When You Might Need Umbrella Insurance

Situations arise that could cause your liability to exceed the amounts offered by your standard insurance policies. Some of these incidents may be anticipated in advance and may cause you to acquire “umbrella” coverage that provides additional liability coverage. At Gateway Property & Casualty in Dover, NH, we help our clients get the coverage they need to protect them from unexpected hazards and financial losses.

What Is Umbrella Insurance Coverage?

Umbrella insurance is an insurance product that provides additional coverage for circumstances that cause financial liability above your standard policy limits. You may feel that your current limits are too low and leave you vulnerable to financial loss if a lawsuit occurs due to an accident or event.

Typical Situations When Umbrella Coverage May Be Needed

An occasion may arise when you are involved in a serious auto or boating accident that causes liability exceeding your usual policy limits. Umbrella coverage can help to defray these costs. If your dog bites someone, it is usually covered by your home insurance policy, but medical expenses and pain and suffering amounts may cause more liability than your policy covers. You might accidentally injure someone, causing an expensive liability. Your child may accidentally cause extensive damage to someone’s property that exceeds your coverage limits. Embracing insurance may also cover situations such as false arrest, wrongful eviction, invasion of privacy, and malicious prosecution.

Make Gateway Property & Casualty Your Agent For Umbrella Insurance

We offer many insurance products for our clients, including home, condo, auto, motorcycle, pets, life, and business. Contact Gateway Property & Casualty today for a no-obligation quote on umbrella coverage for your needs.

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