Umbrella Insurance in North Carolina

Liability is seemingly everywhere in our modern life. You might be sued for saying something on your social media page or if someone slips and falls while visiting your pop-up boutique. Of course, you put yourself at risk for liability suits every time you get behind the wheel of your vehicle or drive your motorcycle, boat, or RV. Wouldn't it be nice if you could have one insurance policy that protected you from financial loss due to liability lawsuits? That's where an umbrella insurance policy comes in.

What is an umbrella insurance policy?

An umbrella insurance policy provides liability insurance for most of the situations you find yourself exposed to, usually at a lower premium than you'd pay to insure each case individually. These types of policies offer coverage against libel, slander, and invasion of privacy lawsuits. Liability situations that might arise from things include renting out your cottage, volunteering at the local food pantry, coaching your child's sports team, or participating in high-risk activities like hunting or downhill skiing. All of these everyday situations expose you to liability lawsuits. A good umbrella insurance policy will help guard your assets by offering coverage over and above the coverage of your various other policies, such as your homeowners and auto insurance.

The great thing about an umbrella policy is that one policy covers you in a myriad of activities. The umbrella policy automatically comes into effect whenever you exhaust the limit of the primary policy.

To learn more about how an umbrella insurance policy works and how it can help you protect you and your family from losses due to liability lawsuits, contact Hedgepeth-Hutson Insurance Services, Inc. in Nashville, NC. We've been helping North Carolina residents with their various insurance needs for more than 15 years.