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Umbrealla Insurance

Jacksonville, Florida

Umbrella Insurance coverage is often used to provide added liability protection for property owners, small businesses, renters, vehicle owners, etc. The fact is, no one can predict how much an unexpected accident may cost. But, there is good news. Most insurance carriers allow policy holders to purchase additional coverage to create a protective umbrella in case disaster strikes.

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Do you have enough liability insurance to cover the costs of a settlement?

Over the past couple of decades, lawyers have become very proactive in pursuing legal settlements and courts seem to be awarding larger amounts for the settlement of personal injury lawsuits than ever before.
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Coverage Explained

How Umbrella Insurance Protection Works in Florida

Personal umbrella insurance allows an individual to increase his or her liability insurance coverage beyond the limits stated in a homeowners insurance policy, auto insurance policy, general liability policy, boat insurance policy or business liability policy to protect one’s investments and future earnings. Umbrella policies can even cover claims excluded by a primary policy such as:

  • Slander or Libel
  • False Arrest
  • Invasion of Privacy

Whether your dog bites the yard man or the neighbor’s kid is injured in your swimming pool, umbrella coverage can help you cover extraordinary expenses, legal fees, court costs, payments for property damage and just about anything else that may threaten your financial well-being.

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What does home insurance cover?
Home insurance typically provides coverage for damage to your home and personal property due to specific perils such as fire, theft, vandalism, and natural disasters like storms and hail. It generally includes four types of coverage: dwelling coverage for the physical structure of your home, personal property coverage for your belongings inside the home, liability protection in case someone is injured on your property and you’re found legally responsible, and additional living expenses (ALE) if you’re temporarily unable to live in your home due to a covered loss. Coverage details and exclusions vary by policy, so it’s important to review your policy or speak with your insurance agent to understand what is and isn’t covered.
How much home insurance do I need?
The amount of home insurance you need depends on several factors, including the cost to rebuild your home in the event of a total loss, the value of your personal property, and the level of liability protection you feel comfortable with. To accurately determine the rebuilding cost, consider your home’s size, local construction costs, and any unique features or materials. For personal property, an inventory of your belongings can help assess their value. Liability coverage should be enough to protect your assets in case of a lawsuit. Consulting with an insurance professional can help you figure out the appropriate coverage amounts for your specific situation.
Can I lower my home insurance premiums?
Yes, there are several ways to lower your home insurance premiums. Increasing your deductible (the amount you pay out of pocket before insurance kicks in) can reduce your premium, but make sure you choose a deductible you can afford in the event of a claim. Installing safety devices such as burglar alarms, smoke detectors, and deadbolt locks can also lead to discounts. Additionally, many insurers offer discounts for bundling home and auto insurance or for being claim-free for a certain period. Reviewing your policy annually and comparing quotes from different insurers can ensure you’re getting the best rate for your needs.

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