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When you have friends and family at your lake house for the weekend, the last thing you want on your mind is the question of, “What could happen to me financially if one of them is injured on my property”. You’re certainly not going to ask friends or family members to sign release waivers before they walk down your steps to the lake or ride an ATV you own.

However, if someone gets injured on your lake property, your homeowner’s insurance may not cover the entire amount of the settlement. That is why it is so important to invest in umbrella insurance. It’s better to prepare for the worst and never need it, than to be caught in a terrible circumstance. It is for this reason umbrella insurance is important.

Umbrella insurance is a backup insurance policy that will help protect you from having to pay settlements out of pocket. Anyone, whether you own a lake home like in our example or not, may purchase this kind of extra insurance policy.

 Most umbrella plans will cover up to one million dollars, but plans do go up to five million dollars. As with most things, your needs are not the same needs as your neighbors. Our agents will assess your risk and help you decide what kind of umbrella policy is right for you and your family.

 No one likes to think about getting sued while having fun at the lake. With an umbrella insurance policy, you can have fun and peace of mind while enjoying your time with others.