Benefits of an Umbrella Policy in Manchester, NH

No one wants to use insurance, but they’re grateful to have it when they need it. And that’s why an umbrella policy is essential, especially in Manchester, NH. Here are three reasons you should have this coverage with your homeowner’s policy:

Extra Protection Against Liabilities

In a perfect world, we’d never need to worry about being sued. But accidents happen, and sometimes people get injured or damage their property. If you’re held liable for any of these things, an umbrella policy can provide extra protection beyond what your homeowner’s policy covers.

Provide Coverage for Recreational Activities on Your Property

Do you have a trampoline or pool in your backyard? If so, you’re at a higher risk of being sued if someone gets injured while using them. And your homeowner’s policy likely won’t provide coverage if that happens. An umbrella policy can help protect you in these situations.

An AS Insurance Agency representative can help you determine if an umbrella policy in Manchester, NH is right for you and explain how it can help protect your home and family.

Extra Coverage for Belongings

Your homeowner’s insurance policy may already cover your belongings, but there are limits to what it will payout. An umbrella policy can provide additional coverage for things like jewelry, art, and collectibles. It can also cover any damages that occur off your property, like if your child damages someone else’s home.

Safeguard Your Future With an Umbrella Policy

An umbrella policy from AS Insurance Agency can provide you with the peace of mind that you and your family are protected in the event of an accident or natural disaster. Contact us today to learn more.

How Umbrella Insurance Works After a Car Accident in New Hampshire

When you drive on New Hampshire roads, you expose yourself to a number of potential liabilities every time. That is why the minimum requirements for New Hampshire auto insurance include liability coverages.

However, sometimes, the costs of a crash for which you are at fault can be higher than the liability limits on your auto insurance policy. At AS Insurance Agency, we help Manchester, NH residents have the insurance bundles they need so that they are covered when these life crises happen.

Umbrella insurance can help you in this situation. Learn more about how that works here.

What is Umbrella Insurance?

Umbrella insurance is a kind of insurance policy that functions like an umbrella for liabilities. You are covered with it when a serious problem happens for which you are being blamed. 

This is liability insurance with higher limits than traditional liability policies. You might see an umbrella insurance policy limit of one million. When you have a liability in life, you can typically claim it on your umbrella insurance policy.

How Does Umbrella Insurance Work With Car Accidents?

When you have been in a car accident for which you are at fault, your New Hampshire auto insurance policy will cover the liability damages. If the costs of your car crash are higher than the limits on your policy, you can make a claim on your umbrella insurance to cover the rest of the costs.

Car accidents are just one example of the many liabilities that umbrella insurance can cover. Having umbrella insurance will protect you from financial losses when life happens.

Get a Quote

Umbrella insurance is an affordable solution to these worries in life. At AS Insurance Agency, we can help Manchester, NH drivers get the coverage they need for every potential liability through umbrella insurance. Call us and get a quote today.

Do all people in New Hampshire need to get umbrella insurance?

Those that are in Manchester, NH need to ensure they are properly covered by insurance. A form of insurance that all people in this state need to think about obtaining is umbrella coverage, which gives you additional personal liability protection. There are multiple reasons the typical person in New Hampshire will need to get an umbrella insurance plan.

Coverage Includes Additional Protection

An umbrella insurance plan is designed to offer liability protection not covered by your other insurance plans. When you have an auto or home insurance plan, there will be a provision for liability coverage. However, the coverage you receive is limited by the policy limits. With an umbrella plan, you will get coverage that is on top of your base insurance plan.

Coverage Covers Other Risks

Even if you have a home and auto plan with ample liability coverage, there is always a risk that you may be included in a claim that is not included under the policy. With an umbrella coverage policy, the liability protection you receive will be much broader. This should provide coverage for a larger range of risks that may not be included under the most specific insurance plans that you have. 

There are a lot of reasons why umbrella insurance is a great form of insurance protection to obtain. If you are looking for a new insurance coverage plan and are in the Manchester, NH area, calling AS Insurance Agency could be a great option. The team with AS Insurance Agency knows the value that comes with this type of coverage. When you speak with them, you can learn a lot about the value of this insurance and receive the support you need to build a new personal liability coverage plan.