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Cadence Insurance

Cadence Insurance is a full service insurance agency founded in 1966. We stand ready to assist you wherever you are located in the Houston, Galveston, League City and Fort Worth Metropolitan areas. Our offices are conveniently located and our staff is experienced in all types of insurance, including auto, home, business, and life and health. Contact us for all your personal and business insurance needs.

Umbrella Insurance for Your Home

William Moraw William Moraw , 6/19/2014
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Cadence Insurance, TX, Umbrella InsuranceAll homeowners insurance policies include a certain amount of liability coverage that applies when you are at fault for a loss. For example, if someone visits your home and is injured on your property, liability coverage on your homeowners policy may pay for the person's medical care, lost income or other damages resulting from the injury. For homeowners located in areas where floods and hurricanes are a possibility, the likelihood of liability claims is greater. During a hurricane, pieces of your home or other items you own may become airborne and cause injury or damage to someone else's property when they land. Likewise, during a flood, items carried away from your home by water may cause injury or damage as they travel. Thus, if you live in an area threatened by floods or hurricanes, it may be wise to purchase umbrella insurance. Umbrella policies provide liability coverage that applies after you reach the limit on standard insurance, such as your homeowners policy. For example, if someone files a liability claim against you because of damage that occurred during a hurricane or flood, your homeowners insurance policy may not cover the full amount of the claim. In fact, some insurers won't cover damage caused by hurricanes or floods at all. In such cases, your umbrella insurance policy would kick in and pay the difference. In the past, umbrella insurance policies were purchased only by the extremely wealthy. However, anyone with assets to protect can benefit from umbrella insurance, especially those who live in areas where natural disasters not covered by standard policies may occur. If you think you may need umbrella insurance at any point in the future, the time to purchase it is now. Content provided by Transformer Marketing.