Umbrella Insurance

Umbrella insurance, also known as personal liability insurance, protects you in cases where damages exceed the limits of your current insurance policy. The thing to remember is that umbrella insurance does not cover personal injury or damage to personal property. Instead, it is meant to help alleviate costs when someone else’s person or property is damaged, and you are at fault.

Without umbrella insurance, you would be responsible for paying any costs not covered by your insurance out of pocket. This can be an expensive and stressful situation. The experts at Gold Line Insurance Advisors are here to help you find the best umbrella insurance policy for you.

Why Do I Need Umbrella Insurance in Pennsylvania?

While the state of Pennsylvania doesn’t require umbrella insurance, it is a good idea to have it to help cover costs beyond the limits of your current insurance policies. Some people think their current policies are enough, and sometimes that is true, but we want our clients to be as protected as possible. Accidents happen every day, and they can be very costly.

What Does Umbrella Insurance Cover?

Umbrella insurance can cover bodily injury costs to someone during a car accident or on your property. This includes if your dog bites someone, a child falls while playing in your backyard, or a guest trips and falls in your home. It can also cover property damage resulting from your actions, such as car accidents in which someone’s car, business, or home is damaged.