Category: Umbrella Insurance

As a parent, you want to do everything you can to protect your family. That includes making sure you have the right insurance coverage in case of an accident or other unforeseen event. An umbrella insurance policy can provide that extra layer of protection for your family. Here are some advantages of having an umbrella policy in Beaumont, TX:

Protect Your Assets

An umbrella policy can help protect your assets if you are sued for damages. If the damages exceed your regular insurance coverage, your umbrella policy can help cover the costs. For families with children, it’s common to have a yard full of toys, a trampoline, or even a pool.

These are fun and typical but can also present a liability risk. If someone is injured on your property, you could be held responsible. An umbrella policy can help protect your assets in this case. A representative from JD Insurance Group can help you determine how much coverage you need to protect your family.

Peace of Mind

No one knows when an accident will happen, but you can prepare with the right insurance coverage. An umbrella policy can give you peace of mind, knowing that you have extra protection for your family. It can also be a valuable safeguard for families of teenagers learning to drive in Beaumont, TX.

Teens are more likely to be involved in an accident than adults, and their rates reflect that. If your child is involved in an accident, you want to make sure they are protected. An umbrella policy can help cover the costs of damages and injuries.

These policies are relatively affordable and can provide you with a lot of protection. If you have any questions about umbrella insurance, contact JD Insurance Group. We can help you find the right coverage for your family.

So many residents in the Beaumont, TX area end up paying large amounts out of pocket for failing to understand the importance of an umbrella insurance policy. The agents at JD Insurance Group have put together some of the top reasons to consider purchasing an umbrella policy. 

You are a homeowner who enjoys entertaining guests. 

If you love to open your home up to friends and family members for parties, it is also important to know you invite an increased risk of potential lawsuits. If a guest is at your home and is injured, there is a chance that they could sue you for damages in amounts above the limit of your homeowners’ policy.

Your home has a pool. 

Similar to entertaining, having a pool at your home leads to a higher liability risk when it comes to lawsuits. A neighbors child could wander into your yard, and if they were to drown, you would likely be sued for liability in amounts way above your primary limit. Even if you do not have a pool, you should consider umbrella coverage if you have other high-risk recreational equipment such as a trampoline. 

You are a dog owner. 

Insurance claims as a result of a dog bite can become a massive liability quickly. Many homeowners’ policies exclude coverage for dog bites. If you have a dog, an umbrella policy will protect you if your dog bites a third party. 

You utilize social media.

Most homeowners’ policies do not cover when someone sues you for libel. If you use social media to review business regularly, you should consider an umbrella policy. If a business sues you, for example, over a bad online review, your umbrella coverage will provide protection. 

If you live in the Beaumont, TX area and would like to learn more about umbrella coverage, reach out to an agent at JD Insurance Group today.