{"id":2631,"date":"2019-08-19T10:02:58","date_gmt":"2019-08-19T14:02:58","guid":{"rendered":"https:\/\/www.petruzelo.com\/blog\/?p=2631"},"modified":"2019-08-12T10:05:06","modified_gmt":"2019-08-12T14:05:06","slug":"why-you-should-seriously-consider-umbrella-insurance","status":"publish","type":"post","link":"https:\/\/www.petruzelo.com\/blog\/why-you-should-seriously-consider-umbrella-insurance\/","title":{"rendered":"Why You Should Seriously Consider Umbrella Insurance"},"content":{"rendered":"\n

Your homeowners and auto insurance policies might not be able\nto protect you from catastrophic financial losses. Injuries or damages caused\nby the actions of you or a family member could exceed the limits on your\ninsurance policy, leaving your assets and future wages vulnerable. An umbrella\ninsurance<\/a> policy could provide additional protection. <\/p>\n\n\n\n

Auto Accidents<\/h2>\n\n\n\n

A car accident could cause serious injuries or property\ndamage beyond your auto insurance policy\u2019s limits. Anyone who was in the other car\nat the time, as well as their family or estate, could sue for medical expenses,\nlost wages and future earning capacity, pain and suffering, or loss of\nconsortium, which is the loss of the benefits of a personal relationship. An\numbrella policy could protect your home and other assets. <\/p>\n\n\n\n

Injuries on Your Property<\/h2>\n\n\n\n

If a guest got hurt at your home, you could be held liable.\nPools and trampolines frequently result in serious injuries. Your homeowners\ninsurance policy might require you to install a fence around a pool to prevent\naccidents. If you are thinking about getting a trampoline, find out if your\npolicy would cover injuries related to its use. <\/p>\n\n\n\n

If your dog bit and seriously injured someone, the costs could exceed the liability limits of your homeowners insurance policy. An umbrella policy could help, unless your existing homeowner’s policy excluded bodily injury and property damage caused by a dog. <\/p>\n\n\n\n

If you have a second home that often sits unoccupied, someone\ncould trespass and get injured, and you could be held liable. A house that you\nrent out could also increase your risk of a lawsuit related to an accident. An\numbrella policy could cover both your primary and secondary residences.<\/p>\n\n\n\n

Professional Actions and Personal Decisions<\/h2>\n\n\n\n

If you coach or plan to coach a youth athletic team, the\nleague that sponsors it may have liability insurance, but it might not have\nhigh enough limits to protect you individually if a participant or spectator got\ninjured or if an accident caused property damage. An umbrella policy with\nhigher limits could protect you from a lawsuit.<\/p>\n\n\n\n

Comments or photos you posted on social media or things you\nsaid in a public forum could harm others and bring about a lawsuit. If you\nserved on a nonprofit board and the entire board was sued for a decision it\nmade, the organization\u2019s insurance policy might not provide enough coverage to\nfully protect each member. In that case, a personal umbrella policy could give\nyou additional coverage.<\/p>\n\n\n\n

If you employ domestic workers, umbrella insurance could\nprotect you from liability for accidents or injuries on the job. It could also\nprovide coverage if you were sued for illegal employment practices.<\/p>\n\n\n\n

Get a Quote for Umbrella Insurance<\/h2>\n\n\n\n

An umbrella insurance policy could significantly increase\nyour coverage and protect you from financial ruin while only modestly raising\nyour premiums. Petruzelo can help you compare quotes from several companies. Contact\nus<\/a> today to learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"

Your homeowners and auto insurance policies might not be able to protect you from catastrophic financial losses. Injuries or damages caused by the actions of you or a family member could exceed the limits on your insurance policy, leaving your assets and future wages vulnerable. An umbrella insurance policy could provide additional protection. Auto Accidents […]<\/p>\n","protected":false},"author":1,"featured_media":2632,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,10],"tags":[],"class_list":["post-2631","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-umbrella-coverage"],"_links":{"self":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/2631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/comments?post=2631"}],"version-history":[{"count":2,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/2631\/revisions"}],"predecessor-version":[{"id":2634,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/2631\/revisions\/2634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/media\/2632"}],"wp:attachment":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/media?parent=2631"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/categories?post=2631"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/tags?post=2631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}