By Melissa Sauer, Personal Lines Director at Hometown Insurance Agency of LI, Inc.
Do you have multiple insurance policies? Are you properly protected? Are your policies bundled under one umbrella? These are some questions that you should be asking yourself.
What is a Personal Umbrella?
A Personal Umbrella provides affordable coverage beyond your basic policies, such as your homeowners, renters, valuable items, auto, or watercraft policies. It helps protect your assets (your home, for example) and future earnings, and pays for defense costs, in the event that you are sued.
Most people do not think they will ever be sued, but the reality is, it is more common than ever. Especially if you have young adults in the home or drive a car. An auto accident, a slip and fall in your home, social media rants or complaints are just some of the lawsuits brought on individuals today.
Do I need it?
Yes…because everyone makes mistakes that can lead to a lawsuit. Even if you’re not at fault, a Personal Umbrella policy can also cover defense costs.
Think smart, protect all you have under one umbrella policy. Call your trusted advisor at Hometown insurance today to review your policies and make sure you are properly covered 1-800-568-SAVE (7283) or email us at: firstname.lastname@example.org.
Hometown is here for you!