Category: Recreational Insurance

Do I really need umbrella insurance? This is one of the most common questions asked by our Southeast Michigan clients looking for liability coverage. The answer to this question isn’t a simple yes or no. If you want to find out more, keep reading on as Atlas Insurance Agency helps you understand whether you need umbrella insurance.

What is umbrella insurance?

Umbrella insurance is the extra liability insurance that takes over when your current liability coverages run out. Yes, you might have auto, home, or boat insurance, but they can only protect you up to a certain limit. In case of significant claims, these coverages are likely to run out, putting your assets at stake.  

Do you need umbrella insurance?

To determine if you need umbrella insurance, here are some questions to consider.

• Do you own a pet that can bite?
• Are you or your family member in the social media space?
• Do you participate in risky hobbies like hunting or skiing?
• Do you own significant investments?
• Are you a youth coach?
• Do you own a vehicle or a boat?

If your answer is yes, then you need umbrella insurance to protect you when faced with significant liability claims. With lawsuits rising in America, you need an extra layer of liability protection beyond your typical liability coverages. This way, your assets are safeguarded against liabilities not covered by your current liabilities.

Umbrella insurance exclusions

Umbrella insurance covers you against many perils but won’t protect you against the below:

• Injury to oneself
• Damage to own property
• Intentional or criminal acts
• Liabilities arising from unfulfilled contractual obligations

Get umbrella insurance today

Are you looking for umbrella insurance to boost your liability coverages in Southeast Michigan? Contact Atlas Insurance Agency, and one of our team members will help you choose umbrella insurance that protects you and your loved ones. 

Atlas Insurance Agency offers coverage to Southeast Michigan residents. We offer our clients custom policies designed to meet their individual needs. We have established partnerships with multiple carriers across the region.

Recreational Insurance Overview

Many Southeast Michigan residents own recreational vehicles. With such a wide variety, you can use them all year long. Recreational insurance can help you protect your investment.

Foundational Coverage

Primarily, your recreational insurance policy protects against any damage sustained in an accident or incident. You can opt for more comprehensive coverage, which covers your vehicle if it is stolen or vandalized. Comprehensive coverage also protects your vehicle if it is damaged due to a fire or another type of natural disaster. Liability coverage is also important. Operating these recreational vehicles can be risky depending on the conditions. Liability coverage protects you if you cause damage to someone’s property. You are also covered if a passenger on your vehicle suffers injuries. Due to the high risk involved with operating many of these vehicles, consider adding umbrella coverage. That adds an extra layer of protection if you eventually have to deal with a liability dispute.

Recreational Vehicle Types

Recreational vehicles appeal to every season. During warm months, you can take your boat out by the lake to have some fun. During snowy winters, you can head to the park on your snowmobile. Motor homes are another popular type of recreational vehicle.

Storage

During seasons when you aren’t using your recreational vehicle, you’ll likely put it up in a storage facility. Storage coverage protects your vehicle if anything happens to it. Just because you aren’t using your vehicle, that doesn’t mean you should drop your coverage. Accidents can happen at any time.

Atlas Insurance Agency Will Help You Protect Your Investment

Visit our website to learn more information about recreational insurance.