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Love Bites—Get Umbrella Coverage

9/11/2014

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In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered?  

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our furry friends.

Take Herschel for instance.  Herschel is a much-loved, rather timid labradoodle who enjoys taking naps on the driveway while his owner mows the lawn. 

Herschel watched from eight feet away as his neighbor, a 39 year old man, showed off his rollerblading skills to his kids.  The man wiped out on the sidewalk in front of Herschel’s house and broke his leg.  He required surgery, costing around $35,000 in medical costs and $18,000 in lost wages.

Fair or not, the man brought a lawsuit against Herschel’s owner, suing for $220,000 in damages.  He alleged that Herschel had caused the accident by getting in his way, despite multiple witnesses to the contrary.  

But Herschel’s owner was lucky--a jury vindicated Herschel. However, lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder.  An umbrella policy would prevent that, giving you an extra $1 million to $5 million in coverage.

Our furry friends can put your assets at risk in other ways as well.   According to the Center for Disease Control and Prevention, 4.7 million people are bitten by dogs each year, with half of those occurring on the owner’s property.  Dog bites, according to the Insurance Information Institute, account for about a third of all homeowner’s insurance claims, which only cover limited damages.

 Protect what you love.  Call us to talk about your umbrella options.  

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    Jessica Cody
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  • Coverage
    • Home & Auto Insurance
    • Medicare
    • Income Protection >
      • Disability Insurance
      • Long-Term Care
      • Critical Illness
      • Annuities
    • AARP - Hartford
    • Life Insurance
    • Health Insurance
    • Dental, Vision, Accident
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • About Us
    • Our Story
    • Dave Trout >
      • DT Landing
    • Jessica Cody >
      • JC Landing
    • Jeremy Sheridan >
      • JS Landing
    • Robert Pugh
    • David Hanson
    • Jennifer Trout
    • Jan Trout
    • Steve Dillingham
  • Reviews
  • Client Center
    • Client Center
    • Resources >
      • Health Insurance 2022
      • Friday Health
      • Comparing 2022 Plans
      • Insurance Partners
      • Best Value Insurance Plans
      • American Rescue Plan
      • ARP Facts CMS
      • ARP Unemployment
      • ARP 2020 Excess Premium Subsidy
      • No Income Cap
      • Unemployment Glitch
      • Asheville Homesharing
      • 2019 Verification-a
      • BCBS Online Setup
      • APTC Income 2022 & Tax Form 1040
      • Lost Subsidy
      • Privacy Policy
  • Community
    • Alignment
    • Health & Wellness Day
    • YMI Winter Coat Drive
    • Medicare Seminar
    • Art in Autumn
    • Goombay
    • Music on Main
    • Manna Fundraiser
    • Western Women's Business Center Conference
    • Mural on Main Street
    • Expanded Team- Next Generation
    • Back to School
    • Weaverology
    • Mother Earth Food
    • Find the Trout
  • Blog
  • Contact Us