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Umbrella Insurance

Insurance companies in Virginia won't provide an umbrella insurance coverage unless you possess an underlying liability policy of at least $250,000 or 500,000. Whether you reside deep in the mountains or on the coast of Virginia, you probably enjoy the type of scenery offered in this state. Regrettably, accidents do happen unexpectedly. Most accidents that involve an enormous amount of money can prove to be disastrous. One of the most effective ways to cushion yourself against these perils is obtaining the right umbrella insurance policy.

However, before choosing your right insurance policy option, ensure that you obtain quotes from reputable and reliable insurance companies in Virginia. Small accidents occurring on your property or behind the wheels can culminate into hefty financial responsibilities. The more assets you possess, the more the likelihood of prevailing lawsuits.

Acquiring the right umbrella insurance policy can help in protecting you from potential liability related lawsuits. Umbrella insurance extends your liability coverage to cover some incidents that insurance policies may not cover. These incidences include:

  • False arrest.
  • Dog bites.
  • Slander.
  • Libel.

As a Virginia resident, it's essential to purchase an umbrella insurance policy because your family and assets' protection is a top priority. This form of coverage is designed to provide extra liability coverage over and above other primary insurance policies, such as homeowners or auto insurance. Do you want to obtain a salient umbrella insurance coverage that befits and matches your needs in Virginia? Today, visit us at Cannon and Associates Insurance offices for more detailed information about umbrella insurance from our reputable agents.

What is typically covered by an umbrella insurance policy?

  • Property damage.
  • Bodily injury.
  • Personal injury.
  • Landlord liability.

What is not typically covered by an umbrella insurance policy?

  • Written or oral contracts.
  • Personal belongings.
  • Intentional or criminal acts or omissions.

Factors considered by insurance companies when calculating umbrella insurance quotes.

  • Your lifestyle.
  • Home’s value.
  • Credit history.
  • Your driving record.
  • Ownership of pets.
  • Any antiques or collections you own.
  • Any children.
  • Your current liability limits.
  • Activities that visitors may engage in, for example, horse riding, boating, hiking.

Accidents attracting high costs can happen to anybody. Obtaining an umbrella insurance policy can prevent you from paying out of pocket arising from another person's medical expenses if you are found liable. Call or visit us today at Cannon and Associates Insurance offices for more information about an umbrella insurance policy.

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