At Mobley Insurance Agency, we offer personalized guidance to individuals and businesses in Georgia to help them understand and choose the best umbrella insurance policy for their liability needs.
Umbrella insurance is an additional liability policy. It's designed to provide an extra layer of protection beyond your standard policies' limits, such as homeowners, auto, or boat insurance. It gets triggered once the liability coverage in these primary policies is exhausted.
Imagine a scenario where a serious accident happens on your property, or you are at fault in an auto accident. If the damage claims exceed the limit of your homeowners or auto policy, you're on the hook for the remainder. This is where umbrella insurance comes to the rescue, covering the excessive costs and preventing potential financial disaster.
Lawsuits can be costly, both in terms of finances and peace of mind. An umbrella insurance policy can cover legal fees, judgments, or settlements if you're sued for injuries or property damages beyond the limits of your primary policy. It adds a layer of protection, providing coverage in times of legal disputes.
Often, umbrella insurance coverage can protect you against incidences that aren't covered by standard insurance policies, like false arrest, libel, slander, invasion of privacy, and others. Such a wide umbrella of protection can be critical in shielding high-priced items and luxuries.
All set for full protection with umbrella insurance? Reach out to us. Let our friendly and experienced team assist you in exploring and understanding your insurance options tailored to your risk profile and coverage needs in Georgia.