If you have home insurance, you’ve probably heard that your home insurance policy can provide liability coverage if you are sued. While standard home insurance liability coverage can provide a lot of benefit if someone is injured on your property, some lawsuits are more than the coverage provides.

If you’re sued for more than the liability coverage in your home insurance policy, you could be forced to pay for a part of the lawsuit from your savings. Having the right insurance coverage can make all the difference. The professionals at Hyman Brown Insurance Agency Inc. servicing Commerce, GA can help you get extended coverage – called umbrella insurance – that can make all the difference. Here’s what you need to know. 

What Is Umbrella Insurance?

Umbrella insurance provides liability coverage beyond the coverage in your home insurance policy. If you are liable for an injury on your property, the liability in your home insurance policy can provide coverage for legal fees and other expenses related to any resulting lawsuit. If that coverage runs out, umbrella insurance provides extended coverage that can help close the gap between the cost of the lawsuit and the home insurance coverage. 

Who Needs Umbrella Insurance?

You don’t have to be rich to need umbrella insurance. If your home insurance liability coverage doesn’t offer as much coverage as your assets, then you can benefit from umbrella insurance. Sometimes evaluating the level of coverage you have can be difficult. Your insurance agent can help you determine whether you could benefit from umbrella insurance. 

How Can You Get Umbrella Insurance?

Getting umbrella insurance is easy when you’re working with an independent insurance agency. The professionals at Hyman Brown Insurance Agency Inc. servicing Commerce, GA can help. We work with many insurance carrier partners, and can help you find the best coverage for your budget and needs.