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What Doesn’t Umbrella Insurance Cover?

Shopping for umbrella insurance in Bellevue, WA requires careful care and consideration. For example, it’s easy to understand what umbrella insurance covers and what benefits it offers, but many may not know what umbrella insurance doesn’t cover.

Having a solid grasp of its limitations can make it easier to determine whether or not having this type of insurance coverage is a good fit for you. We here at VIP Insured are dedicated to giving you all the information you need in order to shop for umbrella insurance with confidence, including information about what umbrella insurance won’t offer coverage for. 

What Doesn’t Umbrella Insurance Cover?

An umbrella policy is an excellent policy to consider if you’re looking to receive additional liability protection. However, this may leave some with more questions than answers. What won’t umbrella insurance cover when you sign up for a policy? Some things to know about what umbrella policies are unable to do include: 

  • Umbrella insurance is supplemental insurance, which means that it won’t cover the costs that home or auto insurance does. An umbrella policy is added as extra protection for your other policies. 
  • It won’t cover injuries you face on your property or intentionally reckless acts that cause damage to your personal property. 
  • It won’t protect you in the case of intentional and criminal acts. 
  • Business owners won’t benefit from umbrella policies as this type of insurance is designed for personal liability protection. You would need commercial umbrella insurance. 

Is Umbrella Insurance Right for You?

If you live in the Bellevue, WA area and know that an umbrella policy would support you based on the information provided above, we invite you to reach out to us here at VIP Insured to learn more about umbrella insurance and how you can get started. Get your quote today and get the coverage you deserve. 

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