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J&A Insurance Agency, Inc

Umbrella Insurance for Enhanced Safety of Your Personal Assets in Georgia

Secure Your Finances with Added Liability Protection with Our Umbrella Insurance

Secure Your Finances with Added Liability Protection with Our Umbrella Insurance

Umbrella insurance at J&A Insurance, is a type of personal liability insurance that provides extra protection beyond your existing coverages and limits in your personal insurance policies.

The coverage limits in your policies may lead to a financial loss in the event of a liability claim exceeding your policy limit, for which you may have to pay out of pocket. Umbrella insurance is an affordable coverage option that effectively bridges the gap between your policy limit and potential claims.

What Does Umbrella Insurance Cover?

Umbrella insurance offers coverage to other members of your family as well. It covers the following liability risks:

  • Bodily harm to others
  • Others’ property damage
  • Legal expenses if you face a lawsuit related to third-party injury or property damage

While umbrella insurance provides extra funds for the above liability risks when their expense exceeds your home insurance and auto insurance coverage limit, it also offers protection for factors not included in your personal insurance policies, such as:

  • Libel and slander
  • Wrongful eviction or entry
  • False imprisonment or detention
  • Malicious prosecution
  • Invasion of privacy

However, certain aspects are not covered by umbrella insurance:

  • Damage to your personal property
  • Personal injuries
  • Business losses
  • Intentional acts that cause injury or harm to others
  • Written contracts and agreements

Types of Coverages Covered by Umbrella Insurance

Besides your home insurance and auto insurance, umbrella insurance can also cover the following insurance coverages:

  • Personal Injury Coverage Covers any injury caused to you or your asset or property.
  • Bodily Injury Liability Coverage Covers injury and damage caused to third-party due to your negligence.
  • Worldwide Coverage Covers incidents that occur outside the country.
  • Vacation Rental Liability Coverage Covers accidents related to rentals such as boats, jet skis, scooters, and others.
  • Defence Coverage Covers litigation fees and court-related expenses, if sued.

How Can J&A Insurance Help with Your Liability Expenses?

Our umbrella insurance helps extend the liability coverage limit in your home and auto insurance by $1 million or more in additional coverage. With our umbrella insurance, you can successfully satisfy the financial liability obligations you face while ensuring the safety of your personal assets and savings.

Why Must You Choose J&A Insurance for Your Umbrella Insurance Needs

Why Must You Choose J&A Insurance for Your Umbrella Insurance Needs?

If you are looking for umbrella insurance near you, in and around Atlanta, GA, that offers additional protection to your home and other personal assets at the most affordable rates, contact our team at J&A Insurance Agency today!