{"id":94,"date":"2019-03-11T02:00:00","date_gmt":"2019-03-11T14:00:00","guid":{"rendered":"https:\/\/www.jimboyceinsurance.com\/blog\/?p=94"},"modified":"2019-02-28T11:08:05","modified_gmt":"2019-02-28T17:08:05","slug":"why-the-additional-coverage-of-umbrella-insurance-is-smart","status":"publish","type":"post","link":"https:\/\/www.jimboyceinsurance.com\/blog\/why-the-additional-coverage-of-umbrella-insurance-is-smart\/","title":{"rendered":"Why the Additional Coverage of Umbrella Insurance is Smart"},"content":{"rendered":"<p><span style=\"color:rgb(18, 18, 18); font-family:&amp; font-size:11pt\">You may have heard the term umbrella insurance but felt adequately protected with your current home and auto coverage.&nbsp; So, you may be surprised when you agent at Jim Boyce Insurance suggested that you consider the additional protection that umbrella insurance provides.&nbsp; Your existing home and auto liability coverage protects in the event of an accident where you are found to be at fault.&nbsp; Umbrella insurance, as a secondary liability policy, significantly extends that coverage with a minimal investment.&nbsp; In the Charlotte, NC area, the agents can show you in detail how this type of policy works for you.&nbsp; <\/span><\/p>\n<p><span style=\"color:rgb(18, 18, 18); font-family:&amp; font-size:11pt\">When you most need the help, an umbrella policy provides extended coverage to protect your assets.&nbsp; In an accident situation, either a car wreck or on your property, where you are found to be at fault, you will be responsible for the repairs and medical expenses of the other party.&nbsp;&nbsp; Should they decide to sue, you could also be held responsible for their legal fees, as well as your own.&nbsp; Between vehicle repair, medical care and rehab, legal fees and potentially an award for damages, it&rsquo;s easy to see that the liability policy allowances can quickly be exhausted.&nbsp; When that happens, you&rsquo;re responsible for the additional expenses.&nbsp; <\/span><\/p>\n<p><span style=\"color:rgb(18, 18, 18); font-family:&amp; font-size:11pt\">An umbrella policy changes this situation.&nbsp; For instance, say your home policy has a liability coverage limit of $350,000.&nbsp; If someone is injured and you are responsible, your home insurance policy will go into effect.&nbsp; When the policy&rsquo;s limits are reached, the umbrella policy will kick in with additional coverage to protect you.&nbsp; They also can have clauses that provide for libel or slander cases.<\/span><\/p>\n<p><span style=\"color:rgb(18, 18, 18); font-family:&amp; font-size:11pt\">The team at Jim Boyce Insurance in the Charlotte, NC area are ready to help you get the coverage you need.&nbsp; Give them a call and visit them today.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may have heard the term umbrella insurance but felt adequately protected with your current home and auto coverage.&nbsp; So, you may be surprised when you agent at Jim Boyce Insurance suggested that you consider the additional protection that umbrella insurance provides.&nbsp; Your existing home and auto liability coverage protects in the event of an [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[8,5],"class_list":["post-94","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-charlotte-nc","tag-jim-boyce-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/94","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=94"}],"version-history":[{"count":1,"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/94\/revisions"}],"predecessor-version":[{"id":95,"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/94\/revisions\/95"}],"wp:attachment":[{"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=94"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=94"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jimboyceinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=94"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}