Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

August 29, 2022

When you live in Dorchester, MA, it’s essential to have umbrella insurance. This type of insurance can help protect your family assets in case of an accident or lawsuit. Here are some things to consider when choosing umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is liability insurance that can help protect you and your family financially if you are sued or held liable for an accident. It can provide coverage above and beyond your regular homeowner’s or auto insurance policy limits.

Your Vargas & Vargas Insurance Agency can help you understand what you need to know about choosing the right umbrella insurance for you and your family.

Why Do I Need Umbrella Insurance?

Dorchester is a bustling city with a lot of traffic. This can increase your chances of being in an accident. If you are at fault in an accident, your regular insurance policy may not cover all the damage. This is where umbrella insurance can help. It can provide coverage for things like medical expenses, property damage, and legal fees.

As a homeowner, you are also at risk of being sued. If someone has an injury on your property, they may sue you to cover their medical expenses. Umbrella insurance can help protect your assets in this situation. If you have a pool, playground equipment, or other hazards on your property, umbrella insurance is also a good idea for peace of mind.

How Much Umbrella Insurance Do I Need?

The amount of umbrella insurance you need depends on your assets and income. It would help if you considered how much coverage you would need to protect your home, savings, and future earnings. A financial advisor can help you determine the right coverage for your needs.

Talk to your Vargas & Vargas Insurance Agency about umbrella insurance in Dorchester, MA.

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