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All Nations Insurance

1314 Union Ave, NE #1
Renton, WA 98059

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11335 NE 122nd Way Suite 105
Kirkland, WA 98034

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Insurance Blog

When does my umbrella insurance coverage kick in?

When it comes to protecting your finances, having the right insurance in place is essential. One type of insurance that many people don’t have, but should consider, is umbrella insurance. Umbrella insurance provides extra coverage in the event that something happens and you need to file a claim.

All Nations Insurance can help our Renton, WA  area clients understand umbrella insurance, when coverage kicks in, and how much it costs. We will also offer tips on who should consider purchasing this type of policy and how to file a claim if you need to use your umbrella insurance policy.

Umbrella Insurance: What You Need To Know

Umbrella insurance, also known as excess liability insurance, is a type of coverage that provides additional protection beyond your standard homeowners or auto insurance policies.

Coverage typically kicks in when the limits on your primary insurance policies have been exhausted, such as after you file a claim for property damage or bodily injury.

The cost of umbrella insurance varies depending on a number of factors, including your location, the limits of your underlying policies, and your driving or claims history.

Anyone who has significant assets to protect or who is at risk of being sued should consider purchasing umbrella insurance. This might include professionals like doctors or lawyers, business owners, and those with high-value homes or cars.

To file a claim under your umbrella insurance policy, contact your All Nations Insurance agent and provide documentation of the damages you incurred along with any other information they require. We will then help you through the claims process so that you can get back to normal as soon as possible.

Give Us A Call

If you have any questions about your coverage, call All Nations Insurance today. We proudly serve the Renton, WA area.

Who Needs Umbrella Insurance?

Umbrella insurance is an important type of insurance coverage that can provide crucial protection from expenses and liabilities. At All Nations Insurance, serving Renton, WA, and the surrounding areas, we aim to help clients make the best insurance choices by providing solid information and guidance. Keep reading to learn more about who needs umbrella insurance. 

How Does Umbrella Insurance Work?

Umbrella insurance is a type of insurance policy that can be customized to suit your particular needs. An umbrella policy will kick in in the event that another insurance policy is exhausted by a claim. This can happen when a claim is far more expensive than anticipated. An umbrella policy can kick in to cover expenses not covered under an auto policy, health policy, homeowner’s policy, or commercial insurance. 

Who Will Benefit From This Type of Policy?

Anyone can benefit from an umbrella policy, but there are certain situations in which this type of policy is highly recommended. If you have a large number of assets or investments which you wish to fully protect an umbrella policy is a good choice. This type of policy will kick in to ensure that your assets, savings, and investments will not be touched in the event of an expensive claim. 

Business owners can also greatly benefit from this type of policy. Business owners are at a greater risk of liability than many other people.  You have worked hard to build up your business and an umbrella policy can help you protect those investments. 

If you would like to learn more about umbrella insurance or any of our other insurance services, please contact us at All Nations Insurance serving Renton, WA, and the surrounding areas. 

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