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Summer is Around the Corner and Pools are Opening. YOU Need an Umbrella Policy


We just had a heat wave, and people are putting on their flipflops and heading to the beach. Homeowners are opening their pools, dusting off the grill after a long winter and I bet they’re not thinking about insurance protection or an umbrella policy.


They should be!



As summer rapidly approaches, many people start planning their outdoor activities, including trips to the beach, pool parties, and backyard barbecues. While these activities can be a lot of fun, they also come with a certain amount of risk.

Accidents can happen, and if you're not prepared, they can quickly become expensive. That's why it's important to consider getting an umbrella policy before summer arrives.


What is an umbrella policy?

An umbrella policy is excess liability in the event the liability on your auto or property insurance is exhausted. It is designed to be a shield between you and your assets. Umbrella policies typically provide coverage in increments of $1 million, and they can be relatively inexpensive, especially when compared to the potential cost of a lawsuit.

Why do you need an umbrella policy for summer?

Summer is a time when people spend a lot of time outside, and accidents can happen. For example, if you're hosting a pool party and someone slips and falls, you could be held liable for their injuries. If you're driving to the beach and cause an accident that results in serious injuries, you could be sued for damages. These are just a few examples of the types of accidents that can happen during the summer months, and an umbrella policy can help protect you from the financial consequences of these accidents.

What does an umbrella policy cover?

An umbrella policy provides additional liability coverage for a variety of situations, such as:

  • Bodily injury: If someone is injured on your property and you are deemed negligent, an umbrella policy can provide coverage after the limits of liability are exhausted on your property / auto insurance policies.

How much does an umbrella policy cost?

The cost of an umbrella policy varies depending on a few factors, including the amount of coverage you need and your risk profile. However, umbrella policies are generally relatively inexpensive, especially when compared to the potential cost of a lawsuit.

So, enjoy your summer. Play in the pool, have friends over for a BBQ, and make time to do the things that you love, but be protected. You don’t want to feel the negative repercussions of summer long after the season has left us.



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