Umbrella Insurance in West Virginia
Some people like to do the least amount of policy coverage to still be legal under the law, even if that means that they haven't taken into account all the angles or events that may occur. While there are some things in life that can't be avoided, umbrella insurance goes above and beyond what you actually need to have so you're covered against a variety of potential claims. It's meant for people who want that extra piece of mind and security. In West Virginia, you can purchase this type of insurance as a safeguard against a catastrophe.
If a guest comes over to your home and trips over one of your shoes, are you liable for his injuries? Will your current homeowner's insurance cover it? Can you afford a lawyer if the guest decides to sue? Their bills may total into the hundreds of thousands of dollars, depending on how badly they were injured. Every policy is different, and there are just far too many clauses, terms and restrictions for you to understand it in full.
Chances are you don't know the answers to at least one of these questions, which is why umbrella insurance is offered to conscientious property owners. It limits your liability and accounts for situations like personal liability or bodily injury. This is not just for your home, but also can be purchased for all of your property from your car to your boat.
Bradley, WV umbrella insurance agents at Redden Insurance Agency work every day to answer the specific questions about what may happen. You can't anticipate everything, but rest assured that when you speak to independent insurance agents, you're making a smart decision in protecting yourself and your loved ones from out of pocket costs that may not be associated with your current plan. Give us a call today.