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Umbrella Insurance in Minnesota
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Umbrella insurance provides a broad range of protection that supplements your underlying insurance policies, such as your homeowners and auto policies. For instance, if you’re in a car accident by the Chaska River that exceeds your auto policy’s limits, or if you accidently trip someone at Christmas in May, an umbrella insurance policy could provide coverage for you.
A Range of Coverage
Unlike a homeowners policy, umbrella insurance is not specifically designed to protect your belongings and home in Chaska, MN. Umbrella insurance gives you a range of coverages, instead of a narrow, limited list of protections. An umbrella insurance policy might provide coverage, depending on its terms and conditions, if:
- your dog bit a neighbor
- a friend’s child fell off of your backyard swing set
- you were in a boating accident on one of Minnesota’s lakes
- a tenant trips on your rental unit’s steps
- you are held responsible for slander or libel
- Comparing Rates with an Independent Agent
Although umbrella insurance is different from other types of insurance, it is still important to compare rates on umbrella policies with an independent agent who serves Chaska, MN. Umbrella insurance providers all weigh risk factors differently, so they assess different premiums. An independent agent knows what to look for in a policy and will help you find a fair rate.
In order to find the lowest premium and best coverage available for you call us at Martinson Agency. All of our agents are independent, and they are standing by ready to help you.