The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


mobile callClick to Call
Kingdom Tree Insurance Group

113 South Monroe Street,
1st Floor,
Tallahassee, FL 32301

mobile mapGet Directions

When can umbrella insurance protect someone?

Anyone that lives in the Tallahassee, FL area should carefully consider all of their personal liability risks. While you can offset these risks somewhat with your home and auto insurance policies, there are situations when this is not enough coverage. For those that are looking for the most coverage possible, getting an umbrella insurance policy could be a great option. An umbrella insurance policy can protect someone a number of different ways. 

When Looking for Coverage On Top of Base Policies

One situation when an umbrella policy can protect someone is when they are looking for coverage on top of their base policies. Your home and auto policies are going to contain a certain level of liability insurance. While this is usually enough to cover accidents, there is always a chance that the accident damage could exceed your policy. If this happens and you have umbrella coverage, it will give you the additional insurance protection that you need to cover damages. 

When Looking for More Expansive Coverage

Another situation when you can be protected by umbrella coverage is when you are looking for more expansive coverage. The liability insurance that you receive with your home and auto policies will be helpful but is somewhat limited. Since there are many risks and situations that are tough to predict, you will want to have additional liability coverage that covers more scenarios and risks, which comes with an umbrella policy.

As you are looking for liability umbrella coverage in the Tallahassee, FL area, it would be a good idea to reach out to Kingdom Tree Insurance Group. The team at the Kingdom Tree Insurance Group can answer any questions that you have about umbrella insurance. This will help to ensure that you receive the right coverage to meet your needs.