When do you need additional liability protections?
As a homeowner, you know you’re open to a myriad of risks. One of the most pressing threats you face is the risk of a liability issue taking place on your property. Luckily, you can protect yourself against this risk by securing excess liability coverage with a personal umbrella policy. If you have these items on your property, umbrella insurance is essential for you.
Pets
While you might assume that your furry friend is covered under your homeowners insurance policy, this isn’t always the case. There are certain “dangerous” breeds that many home insurers will refuse to cover. Even if your pet is covered under your policy, your coverage limits will likely not be high enough to cover the cost of a major pet-related liability event, such as a dog bite. To ensure you have the coverage you need to protect against a major pet-related liability risk, secure a personal umbrella policy today.
Swimming Pool
Many home insurance policies explicitly exclude swimming pools from coverage. This is because swimming pools significantly increase the chances of an injury or other liability risk taking place on your property. As the cost of a serious injury or accidental drowning would be absolutely staggering, it’s important you have the financial protection that only personal umbrella insurance can provide.
If you have these features on your property, it’s essential to secure the additional liability coverage that only an umbrella policy can offer. Do you have additional questions regarding your personal liability or homeowners insurance? If so, contact the experts at Pierce Insurance Group. We are ready to assist you with all your personal coverage needs today.