Click to Call
Get Directions
As with any insurance policy, some things are not covered by an umbrella insurance policy. However, umbrella coverage offers Boise, ID residents additional coverage not found in standard auto and homeowners insurance policies. However, even umbrella insurance does not cover everything. Speak with the experts at Fuhriman Insurance Agency to learn more about your coverage under umbrella insurance.
What Is Umbrella Insurance?
Umbrella insurance helps offer extra liability protection for your existing auto, homeowners, or other insurance coverage. Umbrella insurance is not a standalone policy; it is a supplemental policy. These additional insurance policies only apply to liability coverage and do not cover everything that a standard policy does.
What Is Not Covered By Umbrella Insurance?
There are several things an umbrella insurance policy does not cover. Some of those items include:
- Your injuries
- Damage to your belongings
- Intentional acts
- Criminal acts
- Property damage and injuries in certain circumstances (including uncovered dog breed or uncovered recreational vehicles)
- Other people’s injuries or damage your business is liable for
- Other exclusions listed in the policy
What Does Umbrella Insurance Cover?
Though there are exclusions, having umbrella insurance is very beneficial in protecting you against liability claims. Umbrella insurance provides coverage to pay for the costs of damages to another person’s body and damage to another person’s property. Additionally, umbrella insurance covers personal claims against you, such as libel, slander, unlawful detention, mental anguish, and malicious persecution.
How Much Does Umbrella Insurance Cost?
The cost for umbrella insurance varies depending upon the coverage needed. On average, umbrella insurance costs between $200 and $300 per year (sometimes more). However, lower premiums do result in higher deductibles, which is something to consider when shopping for umbrella insurance.
Having umbrella insurance protects you against any liability incurred. The experts at Fuhriman Insurance Agency understand the need for Boise, ID residents to customize their insurance policy and add umbrella insurance coverage.