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Does umbrella insurance cover flooding?

Umbrella insurance is an excellent backup policy for individuals looking for additional financial support in Bellevue, WA. A good umbrella insurance plan provides coverage when your standard indemnity policy falls short. Does umbrella insurance cover flooding and other natural disasters, though? An agent at VIP Insured can answer that question. 

What does umbrella insurance cover?

A good umbrella insurance policy serves as a safety net for your family. This type of indemnity coverage generally pays for the amount of damage your standard insurance plan does not cover because of exhausted policy limits or restrictions. 

An example of umbrella insurance at work would be an at-fault car accident in which the property damage exceeds your policy’s limits in Bellevue, WA. An umbrella policy would pay for the outstanding balance, so you do not have to use personal finances to cover the incident. 

Does umbrella insurance cover flooding?

Umbrella insurance does not typically cover natural disasters such as flooding and earthquakes. Homeowners must solely rely on their home insurance plans for financial support when such incidents occur. 

There are, however, instances where an umbrella insurance plan would pay for water damage. A broken pipe in an apartment or condominium unit may qualify as a covered incident. Flooding may also be covered under an umbrella policy if your washing machine malfunctioned to cause the disaster. In both instances of water damage, an individual would need to have either renters or home insurance as standard indemnity plans before umbrella coverage could be used. 

It is best to contact VIP Insured to learn more about umbrella insurance plans and determine if a policy is right for your family. Call today to get started with a quote for coverage

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