umbrellacoverage

An umbrella insurance policy can supplement the basic liability coverage provided by your auto, home and boat policies. The rise in lawsuits has made umbrella coverage more imperative for people who want to protect themselves from amounts greater than their basic coverage supplies.

Umbrella insurance basically sits on top of your home, auto or boat insurance to provide added financial protection in the event that your existing policies can't cover the loss. A good example is if a number of people are seriously injured as a result of your negligence in a single incident or multi-car accident. Umbrella insurance gives you added peace of mind knowing you will have additional protection should such an event occur. And while you might think a $1,000,000 or $3,000,000 umbrella policy is not in your budget, the good news is umbrella policies are actually very affordable.

Homeowners also need to consider umbrella insurance in special cases when the liability costs of an accident exceed their basic homeowner's policy. Petruzelo Insurance has over 40 years experience helping Connecticut residents find insurance solutions that take in to account umbrella coverage. Today, anyone can be sued at any time and regardless of whether or not you think it is fair. Planning in advance can be the difference in having the coverage to protect you or having a huge legal settlement to pay.

Owning a home may sound like a dream come true but when a guest slips and falls, that dream can become a nightmare. People will say everything is fine and then you come to find out a seven-figure liability law suit has been filed against you. With the right umbrella coverage for your homeowner policy, you can get the peace of mind that comes with knowing you have that extra layer of protection. Contact an agent at Petruzelo Insurance today and start asking the questions that will help you make a wise decision regarding umbrella coverage.