Umbrella Insurance in Kansas | Kansas Preferred Insurance Group

What's Covered by Umbrella Insurance? A Comprehensive Guide

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• Liability Protection: A personal umbrella policy is primarily designed to extend your liability coverage. If you're held responsible for an accident, injury, or property damage that exceeds the limits of your underlying policies, such as auto or homeowners insurance, the umbrella policy steps in to cover the excess amount.

• Legal Defense Costs: Legal battles can be financially draining. A personal umbrella policy not only covers potential settlement amounts but also the legal expenses incurred during litigation. This ensures you have the resources to mount a robust legal defense if needed.

Coverage Scenarios:

 

• Auto Accidents: If you're at fault in a severe accident that results in substantial medical bills or property damage, your personal umbrella policy can cover the excess expenses that surpass your auto insurance limits.

• Home Liability: In case someone is injured on your property and files a lawsuit, and the settlement amount exceeds your homeowners insurance limits, your umbrella policy provides the additional coverage required.

• Social Media Liability: If you're facing a defamation lawsuit due to a social media post, your personal umbrella policy can help cover legal expenses and potential settlements

Why Kansas Preferred Insurance Group?
 

• Personalized Approach: We believe in tailoring insurance to your unique needs. Our experienced agents work closely with you to understand your lifestyle and risks, ensuring you receive the right coverage.

• Local Expertise: As a Local Family-Owned Independent Agency, we're familiar with the challenges Kansas residents face. Our coverage is designed to address the specific risks prevalent in your area.

• Dedicated Agents: Our team of agents is committed to helping you navigate the complexities of insurance. We're here to answer your questions and provide support at every stage.