Hi! I hope you're enjoying your summer and getting a change for some rest and relaxation.

An insured called me this week to ask about an Umbrella Policy and it got me thinking, this is helpful information for many of you.

Why Umbrella Insurance Is Your Essential Safety Net

Life is unpredictable, and accidents can happen when we least expect them. Just ask John, a local resident. One rainy evening, he lost control of his car and caused a multi-vehicle accident. While no one was seriously injured, the damages were extensive. John's auto insurance covered part of the costs, but the bills quickly exceeded his policy limits. Thankfully, his umbrella insurance stepped in to cover the remaining expenses, protecting his savings.

What Is Umbrella Insurance? Umbrella insurance provides an extra layer of liability coverage beyond your home, auto, or other policies. It helps cover major claims and lawsuits, giving you added peace of mind.

Who Needs Umbrella Insurance? Consider umbrella insurance if you:

• Own a home, rental properties, or a business.
• Have significant savings or assets.
• Engage in activities that increase your risk of being sued.
• Own a pool, trampoline, or frequently host guests.
• Have teenage drivers or own boats/recreational vehicles.

Why Is It Important? Umbrella insurance protects your hard-earned assets from unexpected events. If you're found at fault in a serious accident and costs exceed your primary insurance limits, your umbrella policy can cover the additional expenses.

In a Nutshell: Umbrella insurance is your financial safety net. It steps in when your primary insurance falls short, protecting your future against life's uncertainties. If you think umbrella insurance might be right for you, give us a call today to discuss how we can help secure what matters most.

At Insurance Associates of Central Connecticut, Inc., we can help you determine if this coverage would be good for you.

Thank you for trusting us with your insurance needs.

Best regards,

Marianne