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Stellar Re Umbrella Insurance.
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Umbrella Insurance
Umbrella insurance is the shield you need to help protect you from tapping into your savings, future earnings, and investment funds. Umbrella insurance goes a step beyond traditional policies, covering a wide variety of cases to make sure you are legally secure no matter what incident or accident you face.
What is Umbrella Insurance?
What Does an Umbrella Insurance Policy Cover?
An umbrella policy will cover medical bills, claims for incidents that occurred on your property, and damages you are responsible for in case of a serious accident. With an umbrella policy, you get the benefit of added protection from liabilities and incidents including,
Lawsuits
Umbrella insurance covers the fees and settlements you might have to pay if you are at fault in a court case.
Property Damage Claims
Umbrella coverage does not pay for damages on your property but will kick in to pay for fees and settlements of other persons damages to property.
Injuries
Umbrella insurance covers any additional expenses or fees for claims where you might be at fault for another person's injuries.
Slander & Libel
An umbrella policy covers the fees and settlements you might have to pay in cases of defamation, slander or libel.
Worldwide Incidents
Umbrella insurance covers expenses you might have to pay if a claim is made against you away from home.
False Arrest & Imprisonment
Umbrella insurance covers the fees and settlements in cases of false imprisonment and arrest.
Umbrella Insurance is also known as Excess Liability Insurance.
Common Claims That Fall Under Umbrella Coverage
an umbrella insurance policy covers.
Defense costs
Umbrella coverage pays the fees you need to defend yourself in court. The remaining associated liability expense would be paid by your umbrella policy.
Teen drivers
If you have teen drivers, umbrella coverage would boost your auto liability limit to protect against the increased risks of car accidents caused by teens.
Dog bites
Umbrella insurance pays medical expenses, lost wages, and pain and suffering in the event your dog bites another dog or person first.
Homeowners liability
If the cost of your liability is greater than your Homeowners Insurance limit, umbrella insurance can offer additional coverage.
False arrest and slander
Umbrella insurance helps pay for the costs to defend yourself in the case of false arrest, defamation, or malicious prosecution.
Intoxicated party attendee
You can be held liable for the expenses in a case you were indirectly involved in. Umbrella insurance would cover these charges.
Pain and suffering
You can be liable for the psychological stress that you have caused. Umbrella insurance would pay for and handles these claims.
Volunteering
Umbrella coverage can pay for litigation costs when someone that you served through a charitable organization charges you with negligence.
How Much Does Umbrella Insurance in Florida Cost?
What is the Minimum Required Auto Insurance Coverage in Florida?
Legally, in order to register a vehicle in Florida, drivers must carry a minimum of $10,000 Personal Injury Protection (PIP) coverage and $10,000 Property Damage Liability (PDL) coverage.