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House under umbrellaAs a homeowner, you have a responsibility to maintain a level of safety on your property so guests are not injured by loose floorboards, icy steps or any other potential hazards. While accidents are rare, they do happen. And worse, the resulting expenses could be astronomical.

Your homeowners insurance has liability limits, so what happens if a guest’s accident expenses exceed that limit? As long as you’re deemed responsible for the injury, those costs are on you. For instance, if your liability limits cap off at $500,000, but the injury expenses cost $1.2 million, you’re responsible for the remaining $700,000.

That’s where umbrella insurance comes in. Once you’ve reached your policy limits—either home, auto or even business—your umbrella insurance kicks in to cover those high costs, which may include:
  • Medical treatment

  • Surgery

  • Physical therapy

  • Lost wages

  • Pain and suffering
You may think that your friends and family are not malicious enough to go after you for this money, but when it comes down to it, the costs may be too high for them as well. The best thing you can do as a homeowner is to protect yourself from the possibility of an injury occurring that may deplete your personal savings and then some.

Talk with your independent insurance agent to see if umbrella insurance makes sense for you and your family. You may be surprised to learn that these policies have very reasonable rates for high increments of coverage.

Want to learn more? Call Texas Insurance Agency at (713) 675-2626 for more information on Houston umbrella insurance.
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