Will an umbrella policy cover specialty insurance?

If you’re willing to shop around for a specialty insurance provider, then you can arrange just about any sort of policy you’d like. There are stories of celebrities and athletes insuring specific body parts, so certainly, if you want to get an umbrella policy for specialty insurance, that’s possible in Columbus, OH or anywhere else.

The question is whether a standard umbrella policy will cover that, and the answer is more often than not, no. A typical umbrella policy is intended to offer additional financial support should the damages to your home or auto exceed the limits of the policies. When you spend more on each individual policy, you’re placing your bets on which one is most likely to suffer the most damage. By buying an umbrella policy, you can cover everything in one shot.

You may be surprised at what you can cover through a standard umbrella policy you’ve found through Keystone Insurance Agency, LLC. Every provider is different, so you will want to speak to an agent in order to get an idea of what they can do for you. Many policy-holders combine their home, car, and business insurance in an umbrella plan.

Umbrella insurance is there to ensure that even if your standard policies don’t cover the damages, your provider is still going to be there to help out. Whether or not you can include specialty policies in the plan, it’s worth considering for all of your everyday insurance needs. Talk with an agent at Keystone Insurance Agency, LLC to have all your insurance questions answered. If you live in the Columbus, OH area, stop by our office to learn more.