Umbrella Insurance in Kennesaw, Georgia
A single accident or lawsuit can trigger costs that go beyond the limits of your standard insurance policies. Umbrella insurance offers an added layer of liability coverage, helping individuals in Kennesaw, Georgia, manage the financial risks tied to
unexpected claims. At D. Ward Insurance Services, we help clients understand how umbrella policies work and when they may be worth considering.
What Is Umbrella Insurance?
Umbrella insurance is designed to extend liability coverage beyond the limits of your auto, home or other personal policies. It may step in when the costs of a covered claim exceed your underlying policy limits, offering additional support for legal fees or damages.
Who Might Consider Umbrella Coverage?
This type of insurance isn’t just for high-net-worth individuals. Umbrella coverage can be beneficial if you:
- Own a home, rental property or pool
- Drive regularly or have young drivers on your policy
- Host gatherings or entertain guests at your home
- Travel frequently or participate in recreational activities that carry liability risk
- Want an added financial buffer in the event of a lawsuit
What Can an Umbrella Policy Include?
Coverage varies depending on the policy, but a personal umbrella plan may include:
- Extended liability limits, which may apply to auto accidents, injuries on your property or property damage claims
- Legal defense costs, which can cover attorney fees even if you’re not found liable
- Personal injury coverage, which may assist with claims involving slander, libel or false arrest
- Worldwide liability coverage, which may apply to incidents that occur outside the U.S., depending on the policy
What Should You Prepare When Exploring a Policy?
Umbrella insurance is typically written in addition to auto or home coverage, so having your current policies and liability limits available is helpful when requesting a quote. Our team can help you assess whether umbrella coverage makes sense based on your assets, lifestyle and existing insurance structure.
Contact our Kennesaw, Georgia, office today to speak with an agent at D. Ward Insurance Services about umbrella insurance options and get a quote.