Do You Need An Umbrella In Case Of Rain?


Although it would make sense, umbrella insurance has nothing to do with rain, floods, or water damage. Instead, umbrella insurance is extra coverage. It is a policy that kicks in when your home or car insurance policy does not cover the situation. If you want coverage for liability issues that those may not cover, then you may want to invest in an umbrella policy. Do you need an umbrella in case of rain? No, but you may need it to cover the gray areas.

Why Umbrella Insurance?

Umbrella insurance provides extra liability coverage when:

  • Your policy excludes that type of coverage: This can include liability coverage on rental property you may own, or slander, libel, false arrest, and more.
  • Your liability coverage on your policy has been exhausted: It will provide coverage above the limits of your home, auto, or boat insurance policies when their coverage has been exhausted.

Need an Example?

When living in a metropolitan area, a simple misstep while driving can lead to the involvement of several cars and several people. If that were to happen, would your present auto insurance policy cover the accident damage and/or the extensive medical treatment others may require? Probably not, and that’s when umbrella coverage kicks in.

What does it Cover?

An umbrella insurance policy can cover the following:

  • Bodily Injury due to an automobile accident where you are found at fault, harm caused by a pet, and injuries to a guest due to a fall in your home.
  • Property Damage to other vehicles or property from an automobile accident where you are found at fault.
  • Rental Units
  • Mental Anguish
  • Libel
  • Slander
  • False Imprisonment
  • And More

Now What?

If you are interested in knowing more about umbrella insurance, simply contact the Jeff Van Matre Insurance Agency, they will be happy to help.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote,  call our Carrollton office today at 972-492-8500.