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Umbrella Insurance in Georgia
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You cannot predict what will happen. If you could, you would know that your home or auto coverage might not be enough when you have an accident. Umbrella insurance gives you extra protection when your regular coverage isn't enough. At H2M Insurance Group our specially trained agents have access to the right coverage that you will need for your home or car in Georgia.
What is Umbrella Insurance?
Umbrella insurance is a form of liability coverage that works in conjunction with your home or auto policy to give you complete coverage if you are found liable for an accident. Once your liability coverage is exhausted, umbrella coverage would kick in to cover the rest of the outstanding costs. Umbrella insurance is extra coverage designed to protect you and your future in addition to your current policy.
What Types of Things May Be Covered?
- If an individual is injured on your property as a result of your negligence, then you may have to pay for their medical costs and lost wages.
- You would be responsible for property that is damaged by you, your children, or your pets.
- You would need to cover the cost of people who are injured in a car accident that is your fault
- If you are sued, umbrella insurance could protect you by covering lawyer's fees and other legal expenditures.
Do You Need Umbrella Insurance?
You may believe that your homeowners or auto insurance is enough to cover you, but if you are liable for an auto accident or if someone is injured on your property, your current policy may not cover everything. In Georgia, you will be held responsible if for hospital stays, doctor visits, physical therapy, and other financial costs associated with the incident. If your regular coverage has hit its' limit, umbrella insurance would cover the rest depending on your policy.
Visit the independent insurance agents at H2M Insurance Group to discover how easy it is to protect you and your family with umbrella insurance.