Umbrella insurance is an interesting animal. A lot of people are under the misconception that it’s “rich people” insurance. In reality, it’s the bridge between policies that can make sure you’re covered in areas that might escape your attention. The agents at Curtis Miller Insurance have noticed that too many people in Parkersburg, WV, are missing crucial coverage. They want to help clarify umbrella insurance so you can make informed decisions on your policies. Let’s start with that first question: does it cover legal fees?
Whenever we discuss insurance, we have to include this disclaimer: every insurance policy is unique and subject to its own specific contract rules. That said, many umbrella policies include coverage for legal fees. This can even be in addition to the liability limits named in the policy. Legal fees are one of the primary appeals of having an umbrella plan. So, always double check that your policy is worded this way, but it is not at all uncommon to find an umbrella policy that covers legal fees.
Perhaps the best part of umbrella insurance is that it’s designed to be broad. It isn’t necessarily limited to specific liabilities and legal fees. It can be extended to work internationally. It can cover all members of your household. Most importantly, it can cover instances that escape the limits of any other insurance. When you choose the right policy, your umbrella plan is the ultimate stopgap. Just remember that these are the details that will determine the final price of your policy.
Curtis Miller Insurance agents know the ins and outs of umbrella policies. If you want to explore possibilities and make sure you have exactly the right plan, let them help. They’ve been doing the same for residents of Parkersburg, WV, for a while. There’s no reason they shouldn’t help you too.