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Tucson, AZ 85716

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Why do you need umbrella insurance in Tucson?

Those that live in the Tucson, AZ area are going to have a variety of insurance needs. While you will benefit from coverage that can protect your most important assets, you also need to ensure that you have proper liability insurance protection. When you want to improve your personal insurance situation, getting an umbrella insurance plan would be a great option. There are a few reasons why you need to get this coverage.

Protection Against Major Accident Risk

Most people will get liability insurance through their home and auto insurance plans. In the majority of cases, there will be enough coverage under these plans to handle any claims. However, if there is ever a very significant insurance claim, it’s possible it could exceed your policy. When you get an umbrella insurance plan, it will provide the coverage needed to cover damages that exceed your other insurance plans.

Protection Against Risks Not Otherwise Covered

A home or auto insurance plan will cover many liability risks, but they are not completely inclusive. This means that you could be named in a liability claim that is not covered by these policies. Fortunately, you can get an umbrella insurance plan that will provide the general coverage you need to mitigate your personal liability insurance risks that are not otherwise covered. 

When you are looking for an insurance plan and are in the Tucson, AZ area, you should speak with The Insurance House. The insurance team with The Insurance House knows how valuable the umbrella insurance plan is. The team here can give you the insight that is designed to meet your needs. This can ensure that you are properly covered for liability and make you feel secure about your liability limits.

 

Do I need umbrella insurance in Tucson?

Most people that live in the Tucson, AZ area will have a variety of personal insurance policies. One advantage of getting these insurance policies, which can include home and auto insurance, is that they will provide you with liability coverage. For those that are looking for more liability insurance, getting an umbrella insurance policy can be a good idea. There are several reasons why getting this type of insurance could be a good idea for you.

More Protection is Needed

One reason that you may need to get umbrella insurance is if you want more insurance protection. Someone that gets home and auto insurance will receive some liability insurance. However, if there is ever an extensive accident, you will have to come out of pocket if it exceeds your policy limit. In these situations, the additional umbrella coverage will provide protection on top of your base policies. 

Coverage for More Situations

Home and auto insurance policies will provide you with coverage for a lot of situations that could come with liability risk. While this is an important coverage, it does not cover all situations that could come with liability risk. For those that want more coverage, getting an umbrella policy is a good idea as it will cover far more situations. 

If you believe that getting an umbrella insurance policy is right for you and you are in the Tucson, AZ area, you should speak with the team at The Insurance House. Picking an umbrella insurance policy can be a complicated process. To ensure that you are aware of all of your options, The Insurance House will work with you through the entire process. Our team here can answer any questions that you have to ensure you pick the right policy that meets your needs. 

Umbrella Insurance Coverage: Luxury or Need?

Insurance is designed to protect your most important assets, such as your home, vehicle, boat, and other valuables. When purchasing your policies, don’t underestimate the coverage that umbrella insurance has to offer. Umbrella insurance provides extra liability protection to safeguard your assets against accidents at home or on the road. Here’s what an umbrella policy from The Insurance House in Tucson, AZ has to offer.

How Does Umbrella Insurance Work? 

Umbrella insurance is additional liability insurance on top of your auto, home or renter’s liability coverage. In fact, you cannot purchase an umbrella policy unless you have other liability coverage already in place.

Liability insurance pays for injuries or damage to others in accidents that are your fault. Standard home, auto, boat or renter’s liability insurance has limits for the protection it provides. If you cause an accident where injuries or damage exceeds these limits, umbrella insurance will cover excess costs. Umbrella insurance kicks in where your other liability coverage leaves off, protecting your assets against financial loss.

Who Can Benefit from Umbrella Coverage?

If you’re wondering if umbrella insurance is for you, imagine the consequences of being sued for a mishap at home or on the road. A major lawsuit could deplete your savings or retirement funds or force you to sell your home in an effort to cover legal or settlement costs. Umbrella insurance protects these and other financial assets such as investment accounts or future income against unforeseen accidents that can lead to financial ruin. If you have substantial assets, you can greatly benefit from the protection that umbrella insurance has to offer.

To learn more about umbrella insurance or to obtain an umbrella policy, call or visit us at The Insurance House in Tucson, AZ. We’ll help you determine the amount and scope of coverage you need to protect your assets.

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