Umbrella insurance in Centennial, CO might sound as though it will cover everything. When you think of it, you might picture a great big tarp that goes over nearly everything in your life. When something goes wrong, you just call your umbrella insurance carrier to make it right again. But the reality of this policy is a little different than you might be thinking. Atrium Insurance Group wants you to know if it will cover your personal property.

Umbrella Insurance Is Meant for Liability

When you first sign up for insurance, you’re usually met with policy limits. These limits are something that you may or may not spend a lot of time considering, though, simply because it’s not easy to go through every detail of your contract.

The limits that are most often contested are those of liability. When lawsuits can drag on for months and cause unknown havoc in people’s lives, the goal of umbrella insurance is to extend your coverage limits in case you need to.

Knowing the Rules

Umbrella insurance doesn’t directly cover personal property, but it can give you the resources you need to keep what you have. Instead of having to choose between dropping a liability case or selling your things, you can use umbrella insurance as a way to keep you protected.

Atrium Insurance Group knows that umbrella insurance isn’t necessary for everyone in Centennial, CO. Typically, it’s been popular amongst high-profile people in a community, those who would be more likely to be accused of wrong-doing. If you have questions about whether this policy is right for you or not, give us a call today to discuss our plans or to ask more questions about how it’s applied to the policy holder’s situation.