Umbrella Insurance in Georgia

An umbrella insurance policy increases the liability coverage that you have on traditional insurance policies like home, auto, ATV, and commercial. The more liability coverage that you carry, the less likely it is that you will have any out of pocket expenses related to a liability incident. As an example, take your auto insurance policy which requires you to have at least the Georgia minimum required liability coverage. What this means is that if you are in an accident with another person or their property and are deemed to be at fault, your insurance company will cover those out of pocket expenses to pay for the person’s medical bills or damage to their property up to your policy limits. Once that coverage is exhausted, you are on the hook for the difference unless you have an umbrella insurance policy that picks up the tab when your liability coverage has hit zero.

Given the high cost associated with typical liability claims such as an accident, slip-and-fall injury or dog bite having umbrella insurance can keep thousands of dollars in your pocket. To determine if an umbrella policy makes sense to you, start by adding up all of your assets to establish your net worth including investments, savings, properties, college savings plans, and retirement accounts. If that sum exceeds your current liability coverage, having an umbrella policy can help protect your assets at a nominal cost.

At Birdsong Agency Inc in Georgia, our friendly and professional team of insurance gurus will work with you to determine whether or not an umbrella insurance policy makes sense for your needs. By taking the time to learn each of our clients, we establish a relationship that lasts for years to come and it gives us the opportunity to make a personalized recommendation for you. Give us a call today and schedule a no-obligation consultation.