If you are looking for a locally owned and operated independent insurance agency in Spokane, WA, Western Insurance Associates fits the bill. Our company has been through many changes since it began in 1939 as Fairfield Waverly Insurance. We have changed with the times and today we have an experienced team that is dedicated to helping our customers find the right coverage for all their insurance needs. Umbrella is just one of the types of insurance we are happy to discuss with you.
Umbrella insurance is often misunderstood. What is it and what it can do for you is not at all mysterious. Umbrella insurance is a type of excess liability insurance. It is not a policy that you buy unless you already own a policy that has liability coverage such as home or auto insurance. You don’t have to be a homeowner, however, to benefit from its coverage. It can be added to a renter or boat policy as well.
Liability insurance is one of the most important types of insurance that you have. It protects you from legal action that may happen as a result of an accident that you or a family member is involved in. Medical bills for injuries can be very high. When these are combined with legal action against you, they can be devastating to your finances. Many things can result in a suit against you, from a car accident to someone injured while swimming in your pool. You may find out the hard way that the liability limit on your home or auto insurance is inadequate.
Umbrella insurance usually adds between one and ten million dollars to your liability protection. If you live in or near Spokane, WA, Western Insurance Associates would love to sit down with you and discuss why umbrella insurance is something you need to have.