Category: Umbrella Insurance

When you have an auto insurance policy and a home insurance policy, you may feel that you have enough insurance to protect your assets. However, this may not be true. When an accident is expensive, you may find that you have less coverage than you thought you did. That’s why you may need to get umbrella insurance. It’s a way to make up for the shortcomings of your other policies. When you’re in the market for umbrella insurance, you can call us at Surety Ins Inc. in Alabama.

More Liability Coverage

Your home and auto policies both have various types of coverage in them, and one of these is liability coverage. This pays for someone else’s expenses when they’ve had an accident for which you’re liable. With home insurance, this is coverage in case someone has an accident on your property. With auto insurance, it’s coverage that pays for someone who gets into an accident with your vehicle. The problem is that these policies generally don’t have much liability coverage. That makes it necessary for many people to get umbrella insurance. This adds more liability coverage to both of those other policies simultaneously.

How It Works

When an accident happens, the first step is for auto or home insurance to come in and pay what it can toward the accident. However, this may not be enough in the case of an expensive accident. That’s when umbrella insurance steps in. The umbrella policy will pay for the overages, so you won’t owe them. This keeps you better protected against serious accidents.

Get Alabama Umbrella Insurance Today

When you want to get started with an umbrella insurance policy, we’re here to help. Just contact us at Surety Ins Inc. in Alabama to find out more about these policies.

Welcome to the world of insurance, where protection meets peace of mind. In the heart of Alabama, Surety Ins Inc. is your trusted partner in navigating the intricate landscape of coverage. If you’re pondering the concept of "umbrella insurance," let’s unravel the mystery and explore how this added layer of security can be your shield in unexpected storms.

Understanding Umbrella Insurance

Umbrella insurance acts as an extra layer of security that goes beyond the standard coverage of your home or auto insurance. It’s the safety net that catches you when the unexpected happens. In Alabama, life comes with its own unique set of experiences, and having that additional layer of protection can make all the difference.

Tailored Coverage for Alabama Residents

Living in the heart of Alabama requires insurance coverage that understands the local nuances. This tailored umbrella insurance coverage suits the specific needs of Alabama residents, whether it’s protecting your home against unforeseen events or ensuring your vehicles are safeguarded. Our coverage extends beyond the ordinary to provide you with the peace of mind you deserve.

Why Choose Our Insurance Services?

With years of experience and a commitment to the Alabama community, we stand out as a trusted insurance partner. Our friendly and professional team is ready to guide you through the intricacies of insurance, ensuring you get the coverage you need without unnecessary complexities.

Call Today to Secure Your Peace of Mind

Ready to secure your peace of mind? Call us at Surety Ins Inc. today to learn more about our umbrella insurance coverages or to obtain a personalized estimate. Our experts are here to answer your questions and help you navigate the path to comprehensive protection.

Purchasing umbrella insurance from Surety Ins Inc can save you when a misfortune happens. Umbrella insurance offers a higher protection limit as compared to underlying traditional policies. Umbrella insurance is a powerful stand-alone burden coverage that offers additional limits to other chief policies like auto and homeowners insurance.

Acquiring umbrella insurance in Alabama leverages a policyholder by providing extra protection beyond covering your assets. Moreover, the litigious circle we flourish, especially in Alabama, prompts one to possess an attractive financial plan in the event a third party accords you with a shocking lawsuit.

Please contact our experienced agents at Surety Ins Inc today. Our professional representatives will assist in forging cemented umbrella insurance that will come in when your underlying protection is depleted.

Should You Get an Umbrella Insurance Policy if You Have Car Insurance?

It’s imperative to note that umbrella insurance won’t protect you against any imminent danger. Most Alabama locals believe that umbrella insurance functions as a stand-alone mitigation, which is not the case. Therefore, it’s important to understand the scope of umbrella insurance.

Exclusions of umbrella insurance include:

In availability of underlying coverage like car insurance: Umbrella insurance doesn’t work alone. It comes in to supplement other existing covers when they are depleted. This cover is supplemental rather than stand-alone protection. Moreover, the insurer will need you to achieve a specific policy limit on your auto or home insurance before allowing you to acquire umbrella insurance on top of it. One, if possible, should get umbrella insurance even when they already have car insurance to mitigate against such occurrences.

Other exclusions include:

• Personal injuries
• Property loss, damage, or injuries resulting from specific instances like injuries caused by using or operating uninsured recreational vehicles or owning dog breeds that are not covered.
• Damage to your personal items like furniture and appliances.
• Criminal or intentional undertakings
• Other damages or injuries resulting from your business operations.

Contact Us Today

Do you need extra financial insulation in Alabama, in addition to your current underlying auto or home coverages when they get depleted? Umbrella insurance may insure against instances such as slander, libel, and false imprisonment, which aren’t mitigated by other policies. Visit or call us at Surety Ins Inc today for more details about umbrella insurance.