{"id":58,"date":"2021-05-28T04:00:00","date_gmt":"2021-05-28T10:00:00","guid":{"rendered":"https:\/\/www.westerninsurance.com\/blog\/?p=58"},"modified":"2021-05-28T22:18:08","modified_gmt":"2021-05-29T04:18:08","slug":"do-i-really-need-umbrella-insurance","status":"publish","type":"post","link":"https:\/\/www.westerninsurance.com\/blog\/do-i-really-need-umbrella-insurance\/","title":{"rendered":"Do I Really Need Umbrella Insurance?"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Lawsuits can be a pain. Even when you are on the right side of justice, a bogus lawsuit can waste your time, and even worse, be ruled against your favor. While the American justice system gives you a fair trial, it&rsquo;s the civil litigious nature that has a vague reputation.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">With lawsuits raining in the country, you need protection when cases are ruled against you. While you may have a boat, home, or auto liability coverages, they may not help when you face substantial liability claims. And folks, that&rsquo;s where umbrella insurance comes into play. Still not convinced that you need umbrella insurance? Hang on as Western Insurance Associates of Spokane, WA, shares more insights.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What does umbrella insurance cover?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Umbrella insurance is the safety net that saves the day when you are faced with claims exceeding your current insurance plans. Typically, umbrella insurance protects you against the below.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Bodily injury claims:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Protects you when you sustain injuries to third parties. For instance, if you cause significant bodily injury to the other motorist in a vehicular accident, you are at fault, umbrella insurance takes over when your auto insurance liability coverage runs out.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Property damage:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;It covers physical damage caused to other people&rsquo;s property.<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Personal liability:&nbsp;<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">The beauty of umbrella insurance is that it covers you against personal liabilities like libel, slander, and false arrest that aren&rsquo;t covered by typical liability coverages.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Generally, umbrella insurance covers damages and injuries to other parties and not you or your property.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Who needs umbrella insurance?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Anyone with anything of value needs umbrella insurance since we can all be sued. However, if you are in the below categories, you need umbrella insurance ASAP since the chances of being sued are high. You need umbrella insurance if you:<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Own a home, boat, or vehicle<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Own dangerous pets<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Coach youth sports&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Own a business<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Participate in risky hobbies that can hurt others<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Are a parent<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Are you looking for extra liability protection in Spokane, WA? Please contact Western Insurance Associates for an affordable umbrella insurance quote.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lawsuits can be a pain. Even when you are on the right side of justice, a bogus lawsuit can waste your time, and even worse, be ruled against your favor. While the American justice system gives you a fair trial, it&rsquo;s the civil litigious nature that has a vague reputation.&nbsp; With lawsuits raining in the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[9,10],"class_list":["post-58","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-spokane-wa","tag-western-insurance-associates"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/58","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=58"}],"version-history":[{"count":1,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/58\/revisions"}],"predecessor-version":[{"id":59,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/58\/revisions\/59"}],"wp:attachment":[{"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=58"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=58"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.westerninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=58"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}