What is Umbrella Insurance

Not everyone is familiar with the term umbrella insurance. With so many different insurance options, it can be difficult to keep up. But umbrella insurance can be important if you catch yourself in a sticky situation, and the costs of that can run incredibly high. We will cover in this article a bit more about what umbrella insurance is, and why you might need it. 

DJ Kauffman Agency in Hutchinson, KS provides umbrella insurance, and we can discuss several quotes from different providers so you can check out your options. Don’t worry if you don’t understand all the insurance-related jargon, that’s why we’re here to help.

What is umbrella insurance?

Umbrella insurance is a form of liability insurance that covers your costs in case you get sued. Reasons for getting sued that you can claim on umbrella insurance usually include that you’ve caused physical harm to a person or their property, but this can also be mental damage, damage done to someone’s pet, or damage done by your pet.

Types of liabilities

We listed some possible scenarios you could need umbrella insurance for.

  • Imagine you’re out walking your dog and your dog attacks a person and causes them harm.
  • Another option could be that you’re a journalist and have interviewed someone who presses charges against you on the grounds of mental harm. 

Many more options are possible, such as car accidents in which another person or property gets hurt or if you’re arrested wrongfully. 

As umbrella insurance covers many liabilities, it is incredibly handy to look into whether you need it right away. Feel free to call DJ Kauffman Agency’s office in Hutchinson, KS to discuss quotes.