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Umbrella Insurance

If you’re looking for additional protection over your existing, standard insurance policies, an umbrella insurance policy may be the answer.

Umbrella Insurance

If you’re looking for additional protection over your existing, standard insurance policies, an umbrella insurance policy may be the answer.

What is an umbrella insurance?

Umbrella insurance will help fill in the gaps for your standard insurance policies. It’s extra insurance that protects beyond the limits and coverages of the other policies. Umbrella coverage stretches across a lot of insurance coverages,
such as injuries, property damage, costs of lawsuits and other liability concerns.

Kern Insurance has been providing umbrella policies to our individual and family insurance clients for decades. We work with you to understand your level of risk and amount of assets to decide if an umbrella policy is right for you and your family. Then we work with our insurance partners to find the best possible policy that fits your needs.  

Who should consider
an umbrella insurance policy?

Ultimately, you should consider an umbrella insurance policy if the limits on your standard policies don’t fully cover your potential risks with your assets. For instance, if you own a rental property an umbrella policy will added protection if someone is injured on your property and takes legal action against you.

What is covered by
an umbrella insurance policy?

Umbrella policies can be unique from each other, so we encourage you to discuss your insurance concerns with your agent before deciding on a policy. Examples of coverage for an umbrella policy are: bodily injury liability, property damage liability, and lawsuit coverage.

What is not covered by
an umbrella insurance policy?

While umbrella insurance can be pretty comprehensive, it does has its limits. An umbrella policy doesn’t cover any injury or damage to your person or property, liability under a contract, or a criminal lawsuit against you.

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