Accidents can happen, and they can be expensive. The costs of repairing or replacing damaged property and treating injuries incurred in an accident you’re liable for continue to rise. While you’ll generally have some layer of protection under your existing policies, it’s possible liability claims could exceed your policy’s limits. If you do not have an umbrella insurance policy in place, you could be responsible for paying these costs out of pocket.  

At Lalani Insurance Agency, we want to ensure you have the financial protections you need. Call us today to discuss how umbrella insurance can benefit you.   

What Is Umbrella Insurance? 
Umbrella insurance may protect you against liability claims that exceed your existing policy’s limits or potentially are not covered under your current policies. In addition, a policy might cover liability costs that exceed your existing liability policy limits. For example, suppose you cause an auto accident where someone is injured. In that case, a personal umbrella policy might help cover the additional medical expenses your existing auto insurance limit can’t sufficiently cover.  

Who Needs Umbrella Insurance? 
An umbrella insurance policy can provide invaluable protection for you, your spouse and family, who are named on your existing policies. Although coverage can be beneficial to anyone seeking more liability protection, it’s especially indispensable if you’re looking for added protection of your assets and coverage against lawsuits. 

What Does a Personal Umbrella Policy Cover? 
Personal umbrella insurance adds a layer of protection to your primary liability policies, providing a vital safeguard against damaging liability claims. Without coverage, you could be responsible for liability costs beyond your existing policy protections.  

Secure Your Financial Future 
Lalani Insurance Agency can help you gain the additional protection you may need with a suitable umbrella policy. We’ll look at your risks and needs and help you get the appropriate coverage—call 832-810-0210 to speak with one of our insurance experts in Austin, Houston and throughout Texas.