Why Should I Purchase an Umbrella Policy?

Buying a homeowners policy to cover you when something happens to your home may be fine but€¦ it's not all the coverage that you may need as a home owner. A homeowner policy has its limits as far a dollar amount, and when that limit is exhausted then all of a sudden you're the one who has to shell out money in the case of an accident or other mishaps. What's an umbrella policy and why do I need one? An umbrella policy is simply liability insurance that acts as your cushion when your homeowners cash limit has been exhausted, and you still face issues from lawsuits or other major claims against you. Umbrella insurance provides the home owner with additional coverage in the following areas:

• Homeowners
• Auto
• Boat owner's

Umbrella policies can cover you under certain conditions that your other policies may not such as:

• Slander
• Libel
• False arrest
• Rental units

What does an umbrella policy cover? Injuries-your umbrella a policy will cover you when someone is hurt in an accident and you're at fault, damages caused by your pet, and if say a child or an adult is injured on your property. Property damage- Should you're child accidentally cause property damage while at school at a friend's home, damage to property due to a car accident and you're at fault, and again by your pet. Locker rentals-if you own a locker rental building and someone say trips over a piece of debris or a crack in the concrete you're covered as the owner of the building. Spring is the right time to get a quote on a personal insurance policy such as a homeowners policy or an auto policy and that's the perfect reason to contact Little and Sons Insurance. Little and Sons Insurance Services has two convenient locations in Beaumont and Banning California, so contact them today and let them assist you with your personal insurance needs today.