At Five Star Insurance Agency, serving Fords, NJ, we believe that peace of mind shouldn’t be reserved for rare emergencies—it should be part of your everyday life. That’s where umbrella insurance comes in. While it might not be something you think about often, it can make a significant difference when the unexpected happens.

Everyday Life Comes with Hidden Risks

You don’t need to be a business owner or high-net-worth individual to face personal liability risks. Imagine a guest slipping on your icy driveway or your teenager causing a fender bender that results in multiple injuries. These are common scenarios that could leave you financially exposed if your basic insurance limits are exceeded.

What Umbrella Insurance Really Does

Umbrella insurance serves as an additional layer of protection, providing extra liability coverage beyond what your auto or homeowners policy offers. It helps cover legal fees, medical expenses, and damages if you’re found responsible for an accident. It’s not just for the wealthy—it’s for anyone who wants to safeguard their assets and future earnings from costly lawsuits.

It’s More Affordable Than You Might Think

Many people are surprised to learn how affordable umbrella insurance can be. For a relatively low cost, you can secure a substantial amount of additional protection. It’s a small investment for a large amount of security, especially given today’s rising legal and medical expenses.

Let’s Talk About Your Safety Net

At Five Star Insurance Agency, serving Fords, NJ, we’re here to help you prepare for life’s “what ifs.” If you’re curious about how umbrella insurance could fit into your overall protection plan, contact us today. We’ll walk you through your options and help you find the right coverage to keep your future secure.

If you’re in the Fords, NJ area and looking for increased protection and security, an umbrella insurance policy may be just what you need. Five Star Insurance Agency is here to help, and we can work with you to get the right type and level of coverage to meet your goals and increase your peace of mind. Having more coverage is a great way to put worries to rest and know that you’re covered in the event of a serious incident.

What Does Umbrella Coverage Do?

Umbrella coverage is designed to add an additional layer of protection on top of the other insurance policies you already have. Much like an umbrella protects you from rain, this coverage gives you a policy to rely on if a claim exceeds the limits of another type of policy. This is most commonly seen with your vehicle or homeowner’s policies, but businesses can also get umbrella coverage.

Does Everyone Need This Kind of Protection?

Not everyone needs this coverage, but nearly everyone can benefit from it. Most people think an umbrella policy is only for high-asset individuals or companies with a lot to lose in the event of a claim, but this isn’t necessarily the case. Even if you have a much smaller financial or business profile, you can still benefit from the increased protection that an umbrella policy provides.

Contact Us for a Quote Today

Get in touch with us at Five Star Insurance Agency if you’re in the Fords, NJ area and looking for additional coverage through umbrella insurance. We’re here to help you get the proper protection and make sure you have peace of mind for the present and the future. Our dedicated agents can answer all your questions and help you choose a policy that meets your needs.

Owning a home with a swimming pool in Fords, NJ, can be a great source of fun and relaxation, but it also comes with increased risks and liabilities. Accidents around pools, whether involving guests, family members, or neighbors, can lead to significant financial and legal repercussions. For homeowners with swimming pools, umbrella insurance provides an extra layer of protection beyond standard home insurance, helping to mitigate these risks.

Expanding Liability Coverage

While standard home insurance policies provide liability coverage, they often have limits that may not be sufficient in the event of a serious accident involving your pool. Pool-related injuries, such as slips, falls, or drownings, can result in expensive medical bills or lawsuits that may exceed the liability limits of your regular policy. Umbrella insurance kicks in when these limits are exhausted, offering additional coverage for legal fees, medical costs, and settlements. This ensures that your personal assets, such as your savings or home, are protected from being used to cover damages.

High-Risk Protection

Pools are considered an "attractive nuisance," meaning they inherently increase the risk of accidents, particularly when unsupervised children are involved. You could still be held liable even if an accident occurs without your direct involvement, such as a neighbor’s child using the pool without permission. Warning signs such as no trespassing or other danger signs can help, but they will not save you from a lawsuit in court. Umbrella insurance extends coverage to these high-risk scenarios, offering protection where standard insurance might fall short.

Five Star Insurance Agency Explains Everything Concerning Insurance

Five Star Insurance Agency provides the best explanations for answering your insurance questions. We serve Fords, NJ, and surrounding cities. We can help you find the right umbrella policy for your swimming pool and property. Call today.