An umbrella insurance policy is a type of personal liability coverage that goes beyond the amount that regular home or car insurance offers.
To have umbrella insurance, you must first have a standard homeowner, car or boat policy; the umbrella policy takes effect after the normal coverage has been exhausted.
Candidates for umbrella insurance include people who own significant assets or potentially dangerous items, or who engage in activities that could increase the risk of prosecution.
Personal property includes items that people own, such as furniture, appliances, or electronics. In short, these objects differ from immovable property in that they are movable.
Water damage liability insurance is a type of policy for individuals or businesses that protects them if they cause unintentional water damage to someone else’s property or property.
The water exclusion clause is a standard feature of property insurance contracts, refusing to cover various categories of loss related to water events.
Hurricane insurance is a special type of property casualty insurance that protects policyholders against property damage caused by erratic events such as tornadoes, hurricanes and storms.