Umbrella insurance is a boon for any Fords, NJ, resident who enjoys international travel. However, like any other insurance policy, it has its limits. Understanding what it does and doesn’t cover can help you know what to expect if something goes wrong on your trip.

How Does Umbrella Insurance Work?

Umbrella insurance doesn’t take the place of other insurance policies. In fact, your underlying home and car insurance policies have a big bearing on what your umbrella policy will and won’t cover. 

Umbrella insurance amplifies coverage so that events outside the United States are covered. This includes liability and legal bills arising from liability claims if you have a car accident abroad or accidentally damage a hotel or rental property. It also includes liability and property damage for a second property you own outside the country.

What Isn’t Covered

Umbrella insurance only covers trips made for personal reasons, not business trips or business activities. It also doesn’t cover common problems that occur on international trips, including delayed/canceled flights, lost luggage, and medical care.  

Additionally, umbrella insurance policies put limits on how long your international coverage lasts. The maximum trip length ranges between thirty and ninety days, depending on the policy you pick. Furthermore, you lose coverage if you’re moving abroad rather than just visiting. 

Call Five Star Insurance Agency for More Information

Five Star Insurance Agency is a Fords, NJ-based insurance agency that offers policies from leading national and regional insurance companies. We have a high standard of customer service, and we’re always happy to answer questions and offer personalized advice. Give us a call before planning an international trip, and we’ll help you get the coverage you need to avoid problems abroad.

Umbrella insurance is a boon for any Fords, NJ, resident who enjoys international travel. However, like any other insurance policy, it has its limits. Understanding what it does and doesn’t cover can help you know what to expect if something goes wrong on your trip.

How Does Umbrella Insurance Work?

Umbrella insurance doesn’t take the place of other insurance policies. In fact, your underlying home and car insurance policies have a big bearing on what your umbrella policy will and won’t cover. 

Umbrella insurance amplifies coverage so that events outside the United States are covered. This includes liability and legal bills arising from liability claims if you have a car accident abroad or accidentally damage a hotel or rental property. It also includes liability and property damage for a second property you own outside the country.

What Isn’t Covered

Umbrella insurance only covers trips made for personal reasons, not business trips or business activities. It also doesn’t cover common problems that occur on international trips, including delayed/canceled flights, lost luggage, and medical care.  

Additionally, umbrella insurance policies put limits on how long your international coverage lasts. The maximum trip length ranges between thirty and ninety days, depending on the policy you pick. Furthermore, you lose coverage if you’re moving abroad rather than just visiting. 

Call Five Star Insurance Agency for More Information

Five Star Insurance Agency is a Fords, NJ-based insurance agency that offers policies from leading national and regional insurance companies. We have a high standard of customer service, and we’re always happy to answer questions and offer personalized advice. Give us a call before planning an international trip, and we’ll help you get the coverage you need to avoid problems abroad.