If you want an extra layer of protection, umbrella insurance is the way to go. Undoubtedly, it can be super helpful when life throws unexpected surprises. Here's the deal; it's not a separate policy on its own. Think of it more as a backup plan that comes into play when your regular auto or home insurance isn't enough. In other words, it comes to the rescue if you ever end up in a situation where your coverage maxes out.
You're probably thinking, do I need umbrella insurance in Arizona? You don't have to worry about it being a legal requirement. But it's worth considering, especially if you have some valuable items. It's no secret that Arizona is a pretty sue-happy state, just like a bunch of others. Lawsuits can pop up for any reason and can empty your wallet if you aren't ready.
Because of this, we offer tailored plans to give you the best protection out there. You only need to talk to one of our Western Ag Insurance Agency, Inc. insurance experts.
Umbrella coverage isn't just for liability claims. It can also help with legal fees, judgments, and even claims of slander or defamation. One of the best things about it is that it's not only for your home or car. It sticks with you wherever you go, whether taking your dog for a stroll in the park or traveling to some faraway place on vacation.
In the Copper State, there are usually some requirements you should meet to get a policy. Most insurance companies will ask you to have certain minimum liability limits on your primary policies, like car and home insurance. How these limits look can be different. A common one is having at least $300,000 in liability coverage on your car policy and $300,000 on your home policy.
The best part is that you can always bump up your policy limits. Doing so makes it easier to meet what's required of you. Ultimately, it can save you from financial disaster and help you sleep better at night.
Just contact one of our consultants to learn more or get a quote. Call or visit our Western Ag Insurance Agency, Inc. offices in Arizona today.
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