Umbrella Insurance in Kentucky

When you already have auto and home insurance policies, you have protection against a few risks. However, you might not have adequate coverage to pay for particular accidents. In such cases, it's important to get umbrella insurance. It's a bit different from other types of policies. If you are in Flatwoods, KY and aren't familiar with this policy, the professionals at Roark Insurance Agency are knowledgeable about this policy and can explain how it works.

How Umbrella Insurance Works

One type of coverage under your home and auto policies is liability coverage. The only problem is that auto and home policies may have too little liability coverage. For instance, if there has been an accident with your vehicle or in your home, your liability coverage may not be enough to cover all the expenses that come up. That's where umbrella insurance comes in. It adds more liability coverage to your home and auto policies, ensuring you have adequate coverage.

Who Needs Umbrella Insurance?

One of the common myths about umbrella insurance is that it's only for the wealthy. But this couldn't be farther from the truth. As long as you own assets, you need umbrella insurance. If you consider the assets you have and what you do for a living, you'll see that this policy is important. For instance, if you live an extravagant lifestyle in a region prone to lawsuits or take many risks, consider adopting this policy.

How Much Coverage Do You Need?

It's important to get a coverage limit that's equal to your net worth. You want to ensure you have enough coverage in case you're sued. If you aren't sure, our agents can help you determine how much coverage you need.

If you reside in Flatwoods, KY and have questions about umbrella insurance, reach out to Roark Insurance Agency. We will explain in detail how this policy works and how to better protect yourself and your assets.

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