Many people wonder if they have enough insurance and what might happen if they don’t. This uncertainty can be uncomfortable. Fortunately, there are forms of insurance designed to meet extra coverage needs. Sometimes, your current policies may not be sufficient in certain situations. If you anticipate these scenarios, there are solutions available. At Worthington Carroll Agency, serving Port Jervis, NY, we are experienced in helping our clients understand how additional coverage can be beneficial. We can also review your primary insurance to determine if you might be a good candidate for extra coverage.
What Is Umbrella Insurance, and How Do I Know If I Need It?
Umbrella insurance is designed to provide coverage when the limits of your primary insurance policy are exceeded. It acts as a safety net for covered events or issues that go beyond the scope of your primary policy. For example, if your primary insurance covers property damage, liability, or other issues, umbrella insurance would extend coverage once your primary policy’s limits are reached.
Umbrella insurance is often recommended for individuals with significant assets or those in high-risk situations that could strain their primary insurance. However, determining whether umbrella insurance is right for you often requires a conversation with an agent who can assess your specific circumstances and needs.
At Worthington Carroll Agency, we understand that considering umbrella insurance can raise detailed and specific questions. Our experienced team is here to explore your needs and help determine whether umbrella insurance would be a wise investment for you. We are committed to ensuring our Port Jervis, NY, clients get the coverage they need. Call us today! We’d love to answer your questions and help you find the right coverage.
