Umbrella insurance is used to give you extra protection. It goes above and beyond your typical insurance, whether it is your home, auto, or business insurance.

So, why would you need the extra coverage? Atrium Insurance Group in Centennial, CO provides this guide on navigating the extra protection you may need for your home, business, or vehicle.

Here are some reasons why you need umbrella insurance:

You own some expensive collections

This may be a piece of jewelry that is worth a lot of money, though it can also be expensive art or something else that would be quite expensive to replace.

You own a trampoline or swimming pool, which could lead to serious injuries

You are going to want extra liability to help you cover any injuries that may occur with them.

You may even want some extra coverage if you have a dog

If your dog bites or hurts someone, you could be held liable, so you may want to look into getting extra coverage.

If you are active and do some sports that are considered dangerous, you may want to consider extra coverage

Many people whose hobbies can cause them injury or death should consider getting umbrella insurance.

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Your insurance policy is likely to have a maximum that they will pay. If you have a piece of jewelry (or multiple pieces), you are going to need extra coverage in order to replace them. You also should consider extra liability insurance if someone could get hurt on your property, whether that is from playing on the trampoline or playing with the dog. It can also help if you are involved in dangerous sports. You don’t want to leave your family high and dry if something happens to you!

If you want to make sure that you are fully protected, don’t hesitate to contact us today at Atrium Insurance Group in Centennial, CO.