When it becomes clear that the child faces plastic surgery and extensive medical bills, the parents sue you for damages. A neighborhood dog wanders into the yard, bites one of the children in the face, and you rush the child to the hospital. Let's say you have friends over and their kids are playing in your backyard. That's what the best umbrella insurance policy is - extra protection when you need it most. Fortunately, you have a sixth-grader looking out for you, making sure nothing bad happens. It's only when the bully pushes you that you need backup. For the most part, you can handle the bully's mouthiness on your own. Imagine you're a fourth-grader dealing with a bully on the playground. How does an umbrella insurance policy work? While a homeowner normally has some level of coverage for each of these losses, it may not be enough to fully compensate them if anything goes wrong. For example, an umbrella policy can provide for: Umbrella insurance coverage provides an extra boost of protection, above and beyond the existing limits of other policies. Here, we'll cover what homeowners umbrella insurance is, how it works, what it covers, and if the average homeowner needs umbrella coverage. Homeowners concerned that they may not have enough coverage have the option of adding umbrella coverage to their policies. But it's important to consider whether a standard homeowners policy is sufficient. Homeowners insurance acts as a layer of protection against financial loss.
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