Kansas Umbrella Insurance Coverage

Umbrella Insurance

Umbrella Insurance

What is Umbrella Insurance?

Umbrella Insurance can be thought of like an extension on your existing coverage options. Umbrella Insurance adds an additional layer of liability coverage to other policies like Homeowners Insurance, Recreational Insurance, and business coverages. This coverage protects the assets of Kansas residents from being seized resulting from a lawsuit or if your existing policies are depleted.

This is especially useful for individuals at a higher than average risk for being sued. Let’s take a look at some of those conditions.

Why You Need Umbrella Insurance

If you are at a higher than normal risk of having your assets depleted Umbrella Insurance is vital. A few of these are very straight forward, but you’d be surprised at how broad the need for Umbrella Insurance really is. Let’s look at who this can help protect.

  • Home Owners - If you own a home in the state of Kansas, Umbrella Insurance can help if someone is injured on your property. Your existing coverage might not be enough to cover all of the damages.
  • Business Owners - Owning a business is a risky prospect and has some unexpected liabilities. Beyond the usual damages, you can also be liable for things like slander, negligence, and even on the job actions of your employees.
  • Recreational Vehicles - Owning watercraft, ATVs, and other recreational vehicles can be a fun way to spend your free time, but it is also a liability. Injuries caused to others and damages to other’s property can tax existing insurance plans and require Umbrella Insurance to help pay the costs.

Umbrella Insurance can be the vital last line of coverage protecting your assets from seizure. Give our experts at Family First Insurance Alliance a call today or stop in to our location to find out more about how Umbrella Insurance can help you.

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