Think of umbrella insurance as its name suggests—an umbrella that provides extra protection from numerous risks. In situations where you face liability claims or a lawsuit, umbrella insurance becomes a critical tool to safeguard you from claims that exceed the limits of your other policies.

At EasTex Insurance, we offer a range of options for umbrella insurance in Tyler, TX. We encourage you to meet with us to discuss the specific policy options that meet your needs.

Ways Umbrella Insurance Helps During a Lawsuit

If you are facing a lawsuit for a covered peril—meaning the policy covers the incident or claim—umbrella insurance can help in several ways:

1. Additional Liability Coverage: Umbrella insurance extends the amount of coverage you have available to meet settlement requirements. This coverage goes above and beyond the limits of your existing policies.

2. Legal Fees and Defense Costs: Umbrella insurance covers your legal fees and defense costs associated with liability claims made against you. This means you won’t have to pay for an attorney out of pocket, as the policy covers costs up to the specified coverage limits.

3. Coverage for Unique Claims: Some umbrella policies cover claims that other insurance policies do not. For example, if your homeowner’s insurance doesn’t cover slander or libel, but your umbrella insurance does, this policy becomes essential in protecting your financial future.

Understanding the details of every insurance policy is important, as there are differences and limits applicable to certain claims.

Let Us Help You Find the Right Policy

At EasTex Insurance, we help our clients find the right type and level of umbrella insurance in Tyler, TX, to meet their needs. Set up a consultation or request a quote for coverage that protects you in the event of a lawsuit.

Life has a peculiar way of throwing surprises, much like an enthusiastic toddler with a handful of spaghetti. But just like on a rainy day, umbrella insurance comes to the rescue. An unsung hero of the insurance world, umbrella insurance from EasTex Insurance in Tyler, TX can offer extra protection beyond your standard insurance policies like home and auto. Like an oversized umbrella at the beach, you get extra protection when things get unexpectedly stormy.

Dog Bites

Even the cuddliest canines occasionally channel their inner chaos goblin. If your dog decides to chomp on a neighbor’s ankle or sends an elderly jogger sprawling, you could be held responsible for medical expenses and legal fees. While your homeowner’s insurance might cover some of the costs, umbrella insurance acts as the generous benefactor, stepping in when damages surpass the limits of your primary policy. Good to know, right?

Slip-and-Falls on Your Property

Picture this: A guest arrives and steps onto your driveway, and within moments, they’re airborne. Whether they slipped on a patch of ice or tripped over an unruly garden gnome, you could be sued. Umbrella insurance helps ensure you’re not left financially floundering.

Rental Property Incidents

If you’re smart enough to earn rental income, you’d better be smart enough to get umbrella insurance, too. Being a landlord comes with risks; sometimes, those risks manifest in ways that defy logic. A tenant’s cousin’s best friend might trip over a rogue extension cord, or a balcony railing might give way. When liability claims emerge from injuries or damages on your rental property, umbrella insurance extends an extra layer of protection.

Umbrella insurance isn’t just an extra policy; it’s a financial shield, protecting you from liability surprises. Talk to your insurance representative at EasTex Insurance in Tyler, TX to learn more.