Negligence claims can arise for any number of reasons in Southgate, CA, whether it’s due to a stray toy left in an apartment hallway or a loose railing on your porch. If you opt for an umbrella insurance policy, which is a policy that goes above and beyond your standard coverage, it helps to know who’s covered. ANA Insurance Brokerage, Inc. can tell you more about how the policy works and what you can expect if you’re hoping it will cover your loved ones.
Does Umbrella Insurance Cover Loved Ones?
In some cases, umbrella insurance covers you and your loved ones from negligence claims. So, if your spouse fails to leash the dog in the yard and the dog bites the mail carrier, your umbrella insurance may cover you. However, the answer comes down to not just the coverage you have, but what type of insurance your loved ones have. For instance, if you have a nephew staying in your home while they’re in college and they take out a renters insurance policy, then umbrella insurance may not cover any additional expenses.
How to Decide on Umbrella Insurance
Umbrella insurance is only called into action if a claim goes over your standard limits. So, if the mail carrier’s injuries put them out of work for four months, then an umbrella insurance policy could help pay for anything from medical bills to lost wages. If you’re concerned about how to best protect yourself, the best thing you can do is talk to an expert.
At ANA Insurance Brokerage Inc., our team is here to help you sort out the facts, including the most common scenarios in Southgate, CA. To learn more or to get a quote, contact us today for more information!
