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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.

What Does Umbrella Insurance Cover?

The agents at Gateway Property & Casualty serving the Dover, NH area know and understand how important it is to you to keep your assets protected. One way you can achieve this is by obtaining an umbrella insurance policy.

What is Umbrella Insurance?

Umbrella insurance is a very important addition you can make to your existing insurance policies. It works as a safety net since it can protect you from unexpected and even devastating financial losses. Umbrella insurance basically provides extra coverage when it comes to things like personal liability, property damage, and even legal expenses.

Umbrella insurance will kick in when the limits of your primary insurance policies, such as homeowners, auto, or boat insurance, have already been used to their limits. This type of policy will help ensure that you are not left to deal with large financial burdens that can happen from unforeseen incidents.

What Does Umbrella Insurance Cover?

One of the primary areas covered by umbrella insurance is personal liability. This means that this type of policy will help protect you in the event that someone is injured on your property or if you are held responsible for causing bodily harm or property damage to others. The umbrella policy will cover the costs of medical bills, legal fees, and even potential damages awarded in a lawsuit.

Contact Us Today

The agents at Gateway Property & Casualty are dedicated professionals serving the Dover, NH area and are ready to assist you with all of your insurance needs, including umbrella insurance. Call today for an appointment to get your policy started and gain the peace of mind that comes with it.

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