Let’s face it: insurance talk isn’t usually the most exciting topic at the dinner table. But umbrella insurance? Oh, it’s got stories. It’s the kind of coverage that sits quietly in the background… until something big (and often bizarre) happens.
Umbrella insurance is all about extra protection. When your regular policies (like home or auto insurance) reach their limit, umbrella coverage steps in to cover the rest. Think of it as the “just in case life gets weird” insurance. And trust me: it sure does.
Here are Four Wild (But Real) Scenarios that Umbrella Insurance Could Help Cover:
1). Your Dog Has a “Bad Day”
We all love our furry friends, but even the gentlest pup can have an off moment. If your dog bites a neighbor, a delivery person, or anyone, you could be held liable for medical bills and even legal fees. Most homeowners insurance policies offer some liability coverage — but if the claim is big? That’s where umbrella insurance steps in to cover the damages.
2). You’re Sued Over a Social Media Post
Yep, it’s 2025 and we’re still learning that the internet is forever. If you or your teenager posts something online that someone considers defamatory, offensive, or damaging to their reputation, they might sue. And lawsuits, even frivolous ones, get expensive fast. Umbrella insurance can help cover legal fees, settlements, or judgments if your standard policies don’t.
3). A Guest Trips at Your Backyard BBQ
You invite the neighbors over for some burgers, hot dogs, and cornhole. Sounds innocent, right? Until someone trips over your garden hose, breaks an ankle, and decides to sue you for medical expenses and lost wages. Your homeowners insurance may cover some of it, but if they’re asking for more than your policy limit, umbrella insurance can keep you from paying out of pocket.
4). Your Teen Driver Causes a Major Wreck
Teen drivers are wonderful… and also statistically risky. If your kid is at fault in a serious accident that causes major injuries or property damage, your auto policy might not be enough. If the medical bills, legal costs, or repair estimates exceed your auto coverage, umbrella insurance helps cover the rest. Statistically, 80% of umbrella insurance pays out for at fault accidents.
Coverage for When Life Gets Crazy
No one plans for these things — but they do happen. Umbrella insurance is one of the most affordable ways to add a layer of financial protection to your life, especially when the unexpected takes a turn for the chaotic.
At Avalue Insurance, we make it easy to figure out if umbrella coverage is right for you. We’ll walk you through the details, explain your options, and help you get the right protection for your lifestyle.
Give in touch with us today to get started! You can give us a call at 303-773-3332, email us at info@avalueinsurance.com, or request a quote right here online!
