What Is Umbrella Insurance?

You may have heard the term "umbrella insurance" floating around from time to time, or maybe you have no idea what this term means. Umbrella insurance is essentially a way for you to get even more coverage on your policies. Learn the in’s and out’s of umbrella insurance with the experts from Robnett Integra Insurance Services to see how you can get covered in more ways than one!

What Does Umbrella Insurance Cover? 

First thing’s first, what is umbrella insurance? Umbrella insurance is a type of insurance coverage that provides you financial protection in areas where your other insurance policies may not provide protection. For example, maybe your home insurance, while providing protection, doesn’t offer coverage in certain areas. Umbrella insurance is designed to fill in the gaps your other policies leave open. Here are some areas in which umbrella insurance may provide coverage: 

  • Slander or libel
  • Mental trauma
  • Liability auto accident on the Brownwood, TX roads
  • Property damage
  • Injury

These are just some of the areas in which you can receive coverage from umbrella insurance. The specific amount and type of coverage you will receive will depend on the umbrella insurance policy you choose. To find out which policy is best for you, visit Robnett Integra Insurance Services for a consultation. 

Why Is Umbrella Insurance Important? 

Even if you have existing insurance policies like auto and home insurance, there may be gaps left in those policies that you are unaware of. Maybe your auto insurance will only pay a certain amount of financial coverage in the case of an accident. Think of it like this: would you rather have coverage that you never end up using or find yourself needing to be covered but armed with no financial protection?

Get Covered with Robnett Integra Insurance Services

To help you get the right amount of coverage and fill in those gaps, visit Robnett Integra Insurance Services. Our office serves the Brownwood, TX area. 

Common Questions About Umbrella Insurance

Do you have insurance but feel like your coverage does not meet all of your needs? At Robnett Integra Insurance Services, we want you to know all of your insurance options. We want you to feel like you’re fully protected and do not have to worry about insurance issues. This is where umbrella insurance comes into play. Many people do not even realize that they can add additional coverage to their current policies.

Here are a few common questions people have when they learn about umbrella insurance. We serve the community of Brownwood, TX with quality insurance services, so call us if you have any additional questions not covered below. 

Umbrella Insurance FAQs

How Exactly Does Umbrella Insurance Work?

It provides extra coverage “excess liability” beyond your basic coverage. You may need more coverage because you are at an increased risk compared to others. An umbrella policy will only come into effect if your basic limits are exceeded.

Who Would Need Extra Coverage?

Many people do not find themselves in situations where they need additional coverage beyond policy limits. However, if you do find yourself in need of the extra coverage and do not have it, there is not a thing you can do about it proactively. People who run a business, who are in the public eye, those who work in the medical field, or have a collection that is rare, may find that they may benefit from additional coverage. 

How Do I Get The Coverage I Need?

Call or come in for a consultation. We will be happy to discuss your unique coverage options and make sure that you are covered with exactly how much you need to protect your assets. 

Contact us at Robnett Integra Insurance Services for all of your insurance needs in and around Brownwood, TX.