Umbrella Insurance Basics: Extra Protection for Your Peace of Mind

Many people feel confident once they have home and auto insurance. But serious accidents can cost far more than standard policies cover. That’s where umbrella insurance makes a difference. At O’Quinn Insurance, we believe in educating our clients so they understand the coverage that protects them. Umbrella policies are often overlooked, yet they provide some of the most important financial protection available.

What Is Umbrella Insurance?

Umbrella coverage extends the liability limits on your existing policies. If your auto or home policy maxes out, the umbrella steps in. It prevents you from paying out of pocket when damages exceed those limits.

Why Would You Need It?

Accidents happen. Imagine causing a car crash that injures several people. Medical bills and lawsuits could easily climb above $300,000. Without umbrella coverage, you could be responsible for the rest. Umbrella insurance fills that dangerous gap.

What Does It Cover?

Umbrella policies generally cover bodily injury, property damage, and certain legal fees. This includes car accidents, injuries on your property, or even libel and slander claims. It provides a wider safety net than many people realize.

How Much Coverage Do You Get?

Most policies start at $1 million in additional coverage. Higher limits are available if you own significant assets or face higher risks. The cost is surprisingly affordable, especially compared to the financial hit of an uncovered claim.

Who Should Consider It?

Anyone with assets to protect should consider umbrella coverage. Homeowners, business owners, landlords, or even families with teenage drivers often benefit most. The more you have to lose, the more valuable an umbrella becomes.

Why Talk to an Agent?

Every family’s risk looks different. An experienced insurance agent can review your policies, explain your options, and recommend the right umbrella limit. A quick conversation today could save years of financial hardship later.

At O’Quinn Insurance, we help you prepare for the unexpected. Our team explains coverage clearly and ensures your protection fits your life. Umbrella insurance may not be required, but it could be the smartest safeguard you add this year.

Call us today at (386) 200-9534 or request your free quote here. Protect what matters most with O’Quinn Insurance.