{"id":753,"date":"2026-07-15T04:00:00","date_gmt":"2026-07-15T10:00:00","guid":{"rendered":"https:\/\/www.oliverinsurance.net\/blog\/?p=753"},"modified":"2026-07-07T14:07:49","modified_gmt":"2026-07-07T20:07:49","slug":"why-should-i-get-umbrella-insurance-when-home-insurance-covers-liability","status":"publish","type":"post","link":"https:\/\/www.oliverinsurance.net\/blog\/why-should-i-get-umbrella-insurance-when-home-insurance-covers-liability\/","title":{"rendered":"Why Should I Get Umbrella Insurance When Home Insurance Covers Liability?"},"content":{"rendered":"

When shopping for home insurance, your agent may ask if you also want umbrella insurance. This can be a difficult decision if you are not familiar with its benefits. The professionals at Oliver Insurance, servicing Canby, OR, are available to answer your questions and help you understand how umbrella coverage works. Learning what umbrella insurance is and how it protects your assets can help you decide if it is right for you.<\/p>\n

What Does Umbrella Insurance Cover?<\/h2>\n

Umbrella insurance is designed to extend the liability coverage included in your home insurance policy. If you are sued, your home policy may help pay for legal fees, medical costs, or damages you are found responsible for. However, once those liability limits are reached, you are responsible for any remaining costs out of pocket.<\/p>\n

An umbrella policy provides an extra layer of protection by covering costs that exceed your home insurance limits. This added coverage can help safeguard your savings, property, and other assets if you face a major liability claim.<\/p>\n

Why Consider Umbrella Insurance If You Already Have Home Insurance?<\/h2>\n

Home insurance and umbrella insurance serve different purposes. A standard home policy helps repair your home, replace personal belongings after covered events, and provides a set amount of liability protection.<\/p>\n

Umbrella insurance focuses solely on increasing your liability coverage. It does not cover damage to your home or personal property. Instead, it is designed to protect you financially in situations where you could face a large lawsuit. For example, if a guest is injured on your property, such as from a fall or from using recreational equipment like a trampoline, and the expenses exceed your home policy limits, an umbrella policy can help cover the additional costs.<\/p>\n

How Can You Get Umbrella Insurance?<\/h2>\n

Getting umbrella insurance is simple. Contact Oliver Insurance, servicing Canby, OR, to explore your options. As an independent agency, we work with multiple insurance providers to help you find the right level of protection for your needs. Reach out today to learn more about securing additional liability coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"

When shopping for home insurance, your agent may ask if you also want umbrella insurance. This can be a difficult decision if you are not familiar with its benefits. The professionals at Oliver Insurance, servicing Canby, OR, are available to answer your questions and help you understand how umbrella coverage works. Learning what umbrella insurance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[6,59,23,28,62],"class_list":["post-753","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-canby","tag-insurance","tag-oliver-insurance","tag-or","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t