Accidents happen despite our best efforts to prevent them, so we buy insurance to protect ourselves and our families against those unforeseen events. Umbrella insurance is an underappreciated form of insurance because it supplements our other insurance policies while protecting us when facing certain legal situations. If you want to learn how you might benefit from an umbrella insurance policy, contact the O’Mahony Insurance Agency LLC team, which serves those in the Macon, GA, area.
How Umbrella Insurance Protects You When Sued
Home, auto, and similar insurance policies cover damages to property and liabilities when policyholders are found at fault for injuries or damages others suffer at their residence or involving their vehicle. Each policy covers the liabilities up to an established limit, and umbrella insurance covers liabilities exceeding a primary policy’s limits up to the umbrella policy’s limit.
The primary policies also protect certain lawsuits, and umbrella insurance extends the coverage in those situations. Umbrella insurance also covers legal costs when you or someone in your household is sued for:
- Slander, defamation, and libel
- Invasion of privacy
- Wrongful eviction and entry
- Malicious prosecution and false imprisonment
Personal umbrella insurance provides broad coverage but does not cover business and professional activities or liabilities resulting from a contract. It also does not cover harm resulting from criminal or intentional behavior.
Like all insurance, you should discuss the specifics of your umbrella coverage with your insurance agent.
Working With O’Mahony Insurance Agency LLC
Knowing that you and your family are protected in a world where anything can happen is comforting. If you live in or near Macon, GA, and want to discuss umbrella or other insurance, stop by or call us at (478) 464-0206 to speak with the O’Mahony Insurance Agency LLC team.
