We buy insurance because accidents happen, despite our best intentions. However, some people don’t have the proper coverage for unexpected losses because they lack a vital part of the best insurance plans: umbrella insurance. To discuss how umbrella insurance can protect you and your family, contact our August Vincent Insurance Agency team serving Crystal Lake, IL.
Your Potential Liability
As an Illinoisan, you’ve experienced severe weather and know that slippery conditions can cause someone to fall on your property or contribute to an auto accident for which you are at fault. In either situation, your liability could exceed the amount covered by your home or auto policies, leaving you responsible for the rest. In the worst case, it could mean the loss of your savings, home, or other assets.
That is where umbrella insurance comes to the rescue by covering the amounts over your standard policies’ limits. Of course, umbrella insurance protects against "worst-case" scenarios, so most policyholders never need to tap into their coverage. But that also means umbrella policies are relatively inexpensive, so their value comes from providing you peace of mind, knowing your family is fully protected, even against unlikely events.
Besides supplementing your home and auto liabilities, umbrella policies can also cover legal and court costs resulting from accidents, making it vital protection for potential rainy days.
Working With August Vincent Insurance Agency
Knowing you and your family are protected is comforting in a world where anything can happen. So, if you live in or near Crystal Lake, IL, and want to discuss umbrella or other insurance protection, the August Vincent Insurance Agency team stands ready to help. Call us today to look at the options that make the most sense for you.
