If you have ever wondered why liability coverage is included in every policy you buy, you’re probably headed in the right direction. We live in a litigious society where lawsuits can rain on you anytime. If you are a parent to some naughty teenagers or a business owner in Marietta, GA, you may want to seriously consider having more than enough liability coverage. LG Insurance Group recommends buying umbrella insurance to top up on your liability coverages from other policies. So who needs extra liability insurance or umbrella insurance? Read on to find out!
Pet owners of restricted breeds
Home insurance in Marietta, GA does not cover all pets. If you own a risky breed that is not covered in your home insurance, you could benefit from umbrella insurance that offers liability coverage for pet bites and other injuries to other people. The policy can pay medical bills and legal fees if you’re sued for injuries that your pet inflicts on other people.
Take on extreme water sport activities
Boat insurance comes with liability coverage, which may not be enough if you engage in extremely risky water activities. You could get yourself and other people injured, and your liability coverage may not be adequate to cover all the medical expenses, especially if there are multiple people involved.
Parent to young children
You will never know what happens at your home when you leave your children behind until a neighbor calls you reporting that one of your children broke their window. With children, accidents happen everywhere, including school, and you can be sued when your child injures other children or damages their property.
Landlord or Property owner
Landlords and property owners have every reason to carry umbrella insurance. Being a landlord means dealing with unending lawsuits due to property damage or injuries resulting from a fault in the building. Lawsuits can be expensive, and that’s why you need to have enough liability.
Buy umbrella insurance and get the peace of mind you deserve. For more information, quotes, or new policy discussions, be sure to contact LG Insurance Group, and we will be happy to respond.