Sad, but true…America has a love affair with lawsuits. The neighbor falls on your pavement while stopping by. Your child’s friend falls off your trampoline and sustains injury. “Isn’t that covered under my homeowners insurance?” you ask. Well, yes. And no.
Umbrella Liability insurance extends over your homeowners and auto insurance and, in essence, picks up where your other insurance leaves off.
It’s important to consult with an independent agent like your Higgins Insurance representative to determine whether your liability insurance is adequate to protect your assets.