The Overarching Value of an Umbrella Insurance Policy

If you’re looking to protect yourself more fully and you’re in the Brevard, NC area, Brevard Insurance Agency Inc is here to help. One of the ways we can do that is by working with you to find an umbrella insurance policy. This kind of policy protects you by giving you additional coverage over and above your other policies.

Here’s what you need to know about it:

Umbrella insurance gets its name because it’s a policy that acts much like an umbrella. It covers you after your other policies have reached their limits. That’s true of your auto policy, homeowners insurance, and other types of coverage options. Many people think that only those with significant asset levels need this coverage, but it’s a good idea for nearly everyone to have.

If you have questions about an umbrella policy, coverage options, and whether it’s right for your situation, the best thing you can do is talk to a trusted agent that can provide you with information. You want to make a knowledgeable decision about your insurance needs, and that’s much easier to do when you have the details about policies and coverage opportunities through an umbrella policy.

Whether you’re single or you have a family, and whether you rent or own, there are always times when you could have a claim or expenses or when you could be a party to a lawsuit. By having higher levels of coverage, you can reduce the risks associated with these issues.

Ready to find the right umbrella insurance policy for your specific situation?

Reach out to us today at Brevard Insurance Agency Inc if you’re in the Brevard, NC area, and let us help you get coverage that offers you protection and peace of mind for the future.

Why Do You Need Umbrella Insurance For Your Business?

Umbrella insurance is often considered extra insurance. It works on top of your current policy, as a way to protect you even further. While many people get umbrella insurance if they have expensive jewelry or an art collection, the truth is that you may want to consider getting some umbrella insurance for your business. 

Brevard Insurance Agency Inc in Brevard, NC can help you navigate this important insurance coverage.

Here are some reasons why you should consider extra insurance for your business:

One accident is all it takes to ruin a business

If you have a physical location, you need to have extra insurance. One accident and you may have to close your business. 

Your business could be considered dangerous

If there is a good chance of accidents at your business, you are going to need the extra protection that comes along with umbrella insurance. These may be construction companies or those that deal with hazardous materials, among others. 

Your employees drive company vehicles

Company vehicles mean more chances for accidents, so you are going to want to protect yourself and your business with some extra insurance. 

Though most businesses don’t feel like they need a lot of insurance, the truth is that they probably aren’t fully protected. One accident may put them out of business! Companies that have a lot of people coming and going may want umbrella insurance just in case someone gets hurt. Dangerous businesses also should have extra insurance, as well as those that have their employees driving around. 

Give Us A Call

If you want to make sure that you have enough insurance for your business, don’t hesitate to contact us at Brevard Insurance Agency Inc in Brevard, NC. We will help you figure out if your current policy is enough, or if you need to add umbrella insurance. 

The 101 on Umbrella Insurance

Umbrella insurance is additional insurance that offers protection beyond the existing limits and coverage of other policies you may have. It’s a great option to guarantee you get significant extra liability coverage, should you need it. 

This type of insurance policy isn’t required for your daily life, but it provides the extra security and peace of mind that all your bases are covered in any event or situation. Can you really put a price tag on that quality of defense?

Brevard Insurance Agency Inc is here to answer any questions and provide expertise regarding umbrella insurance for residents in the surrounding Brevard, NC area.

Umbrella insurance does exactly what it sounds like it would — extending over and above the liability policies, you maintain on your home, cars, and various other assets. 

How Does Umbrella Insurance Protect Me?

It’s a special type of policy that begins where your standard coverage ends, and provides additional support and security should you need it. Say you exhaust your insurance limit before the entire cost is covered – this is where umbrella insurance is beneficial. 

The homeowner’s insurance policy you have provides coverage for your house and the belongings inside the home. The car insurance policy you have protects your vehicle. An umbrella insurance policy covers all of those we mentioned, and then some.

Families in the Brevard, NC area who are debating whether or not they should acquire umbrella insurance should reach out to Brevard Insurance Agency Inc. We’ve built an impressive team of insurance experts who can help you prioritize your needs and make an informed decision on whether umbrella insurance is the right move for you. Contact us to see how umbrella insurance can protect you and your family.

Why Parents of Teen Drivers Need Umbrella Insurance

You would do anything to protect your family and Brevard, NC home. As a parent of a teen driver, however, just having basic auto insurance might not be enough. Instead, it is definitely a good idea to add an umbrella insurance policy to your coverage mix. Here’s what you need to know.

Why an Umbrella Policy is Important for Parents of Teen Drivers

Essentially, umbrella insurance is a special type of policy that extends over and above the liability insurance policy that you carry on your automobiles, home, and more. While the policies you currently carry might be enough for everyday occurrences, having a teen driver in the household increases the risk if a major accident happens.

As a parent, this means that you are legally and financially responsible if your child is involved in an at-fault incident where someone else is either injured or has a large amount of property damage. In turn, this means that you could be sued for the actions of your teenage driver.

And, while you might think you’ve done everything to ensure your new driver is safe on the road, lack of experience is often the number one cause of teenage driving fatalities around the country. While this is scary to think about, it is a reality that has to be considered.

Umbrella Policies from Brevard Insurance Agency Inc. Offer Extra Protection

As previously mentioned, umbrella policies offer protection above and beyond what the other policies you carry provide. With the added risk and likelihood of your teen driver being involved in an accident, it is just a smart idea to have this additional level of coverage to protect your home and family.

Interested in learning more about how umbrella insurance can protect your family? Contact our Brevard Insurance Agency, Inc. team in Brevard, NC today to schedule a no-obligation policy coverage appointment.