Protecting Yourself With Umbrella Insurance

Are you concerned about potential liability lawsuits and want extra protection? Umbrella insurance may be right for you. If you’re uncertain, we at Heaton Bennett Insurance can help Austin, TX residents and business owners find the coverage option that makes the most sense for their needs.

What is Umbrella Insurance?

Umbrella insurance is an additional liability policy that you add to your existing policy. It extends how much your company pays in liability cases and may also include things that other policies cannot cover. You may add them to homeowners, auto, watercraft, and business insurance coverage options. These policies will basically cover additional liability payments beyond your basic policy up to its coverage limits. 

Coverage Options for Umbrella Insurance

Umbrella insurance policies can cover a surprising range of different concerns. Just a few extra coverage types that you can get for your home or business include:

  • Medical treatments for injuries
  • Severe damage to another person’s property
  • Specific types of liability lawsuit types
  • Personal liability concerns

For example, your policy will pay for any accidental injuries caused by you, covering a person’s medical treatments and liability lawsuit. It may also protect you against things like slander, libel, false arrest, detention, malicious prosecution, shock, and mental anguish situations.

However, your policy will not cover specific limitations in most cases. For example, umbrella insurance does not cover your injuries or property damage problems. It also will not cover intentional criminal action or any liability that you assume when signing a contract.

Find a Policy Today

If you’re interested in an umbrella insurance policy that will meet your needs, please call us at Heaton Bennett Insurance to get the Austin, TX coverage you need. Our team will sit down with you and figure out what protection you need and will balance your coverage to minimize your costs.

Umbrella Insurance for Austin, TX

One thing that’s sure about life is that nothing is sure! Pardon the play on words, but it’s true. Things can be going fine one day and the next day, everything is in chaos. Or perhaps your auto insurance has a $25,000 limit and you are sued for $35,000 due to the damages or injuries someone sustained in an accident that was your fault. What can you do?

That’s why it’s important to get to know your friends like the folks at Heaton Bennett Insurance. Serving Austin, TX and the surrounding area, we take every situation and do the work to find the best insurance solutions. But we don’t stop there.

We know insurance is a personal thing. No two situations or lives are alike. We offer any type of insurance you need for a great price, including umbrella insurance. We visit with you to get an idea of your current coverages and find out just how much you need to feel secure if the unexpected happens.

What is Umbrella Insurance?

Umbrella Insurance is a type of insurance that covers any of the unexpected events that might come along, including those that already involve your other primary insurances. 

Some examples of areas that umbrella insurance might cover include:

  • Home insurance
  • Auto insurance
  • Motorcycle or RV insurance
  • Commercial or business insurance

Some policies even cover gaps in flood insurance.

It’s important to note that it does not serve you as a complete insurance solution, but it is meant to be there to fill in the gaps for the coverage that is not fulfilled by your standard policies.

Contact a member of Heaton Bennett Insurance today if you’re in the Austin, TX area and sleep better tomorrow knowing that if your current policy is not enough, we will be there to fill in the gaps!