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Arizona umbrella insurance coverage

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Umbrella Insurance

When it rains lawsuits, you need the right umbrella insurance to get the perfect defense. A single lawsuit in Arizona is enough to make you lose all your wealth, including businesses and property. That's why it's critical to invest in adequate umbrella insurance. If it's your first time hearing about umbrella insurance, you're in the right place. Our agency can teach you everything you need to know about the policy and how it works.

What is Umbrella Insurance?

Umbrella insurance is a type of extra liability coverage that protects you and your family from liability claims or lawsuits when your primary policies, such as home insurance, are rendered inadequate. It adds an extra layer of protection to what you already have, meaning that the policy relies on the limits of other policies to work. The Southwest Financial Center recommends buying the policy if you have many homes, cars, and other standard policies for additional liability.

Who Needs Umbrella Insurance?

Can you be sued? If yes, then you need umbrella insurance. The policy generally covers liability risks whether you're at home or going to work. You can purchase Business umbrella insurance if you're a business owner, as personal umbrella insurance does not cover Business activities. To understand your umbrella insurance needs, you have to assess your risks such as:

  • Owning a swimming pool or trampoline
  • Being a parent to young children or teenager
  • Owning more than one property
  • Being a landlord
  • If you entertain guests in your home often
  • If you have poor driving skills or drive often
  • Own a dog
  • Engage in extreme sports

How Much Umbrella Insurance Should You Buy?

Umbrella insurance is an affordable policy. Costs vary from one policyholder to another. For instance, people with many assets or properties require higher amounts of a liability than ordinary people. Your insurance company in Arizona should help you assess your needs based on the liability limits in your primary policies to come up with an appropriate amount.

If you need to add umbrella insurance to your policy list, talk to The Southwest Financial Center. We will be happy to help you acquire the policy.

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