Common Liability claims that require Umbrella Insurance

There are so many people out there who believe that primary insurance policies are adequate coverage to protect them in the event of an insurance claim. Unfortunately, there are many types of claims out there that quickly eat up the primary limits. The agents at Armorcrest Insurance Services would be happy to discuss how an umbrella policy can protect you in the event of a claim. 

Dog Bites 

Insurance claims as a result of your dog biting another person can quickly add up. Not only will you be responsible for any medical bills, but you might also be liable for any pain and suffering. Even if your dog is friendly, it is best to have additional coverage. It is also essential to check with your homeowners’ insurance provider to see if you have primary coverage, as some insurers exclude this coverage. In the event your primary policy excludes coverage, the umbrella policy would respond first. 

Teen drivers 

Unfortunately, even the most cautious teen drivers are much more likely to be involved in a car accident. An umbrella policy over your primary auto policy will provide you with extra protection as a result of the increased likelihood of a claim with a teen driver in the house. If you only purchase the minimum required auto coverage, an umbrella policy is critical. 


Many residents in El Centro, CA enjoy pools in their backyard to cool off on hot days. If you have a pool at your home, it is critical to consider an umbrella policy. If a guest is injured or drowns in your pool, the potential liability could be enormous. 


In today’s litigious society, slander is becoming an increasingly common reason people find themselves in court. An umbrella policy is the only type of policy that will offer you protection in the event you are accused of slander. 

If you would like to learn more about umbrella coverage and how it can protect you, reach out to an agent at Armorcrest Insurance Services today. We proudly serve the  El Centro, CA area.