When to Consider Umbrella Insurance

Umbrella insurance is a type of insurance that a lot of people do not know much about. It is not one that is often talked about when people of insurance but it can be a very helpful type of insurance. It is not a type of insurance that is ideal for everyone but there are specific situations where considering it would be best. Here at Alcorn Insurance Agency, serving Centralia, IL, these are some of the most common reasons why we see people getting umbrella insurance. 

  • If your home or auto insurance is maxed out but does not cover the full value of your home or vehicle, you can get umbrella insurance to cover the rest of the value. 
  • If you have a lot of parties at your home where people come frequently, you may want to get umbrella insurance to give you more liability coverage in case there are any accidents at your home. 
  • If you are well known in the community or are even considered to be a semi-celebrity in your area, you may want to have umbrella insurance to protect you not only from any lawsuits that people may bring to you but also from libel or slander so you can help protect your reputation. 
  • If you simply want to have coverage that will pick up where other insurance coverages end. This is a good policy because it can cover all of the areas that other policies may not cover. 

If you think that umbrella insurance would be an ideal fit for your needs, be sure to reach out to us here at Alcorn Insurance Agency, serving Centralia, IL. We can help you find the right policy for you that will meet all of your needs while still staying within your budget.