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P&C Insurance Articles
Umbrella Insurance
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies for car insurance, home insurance, boat insurance, etc.
When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits, and any additional amount is paid by the umbrella policy (up to the limit of the umbrella policy).
Some examples include:
- False Arrest
- Libel
- You are a car accident with multiple people with serious injuries, and the medical bills are astronomical
- An acquaintance gets injured at your house.
- You host a party, someone else brings alcohol, and someone underage gets hurt or DUIs
- Slander
- Invasion of Privacy
Give us a call and speak with a licensed expert for more information regarding Umbrella coverage.
Frequently Asked Questions
What is Medicare and who can get it?
Can I change my Medicare coverage?
Yes, you can change your Medicare coverage during certain enrollment periods, such as the Annual Enrollment Period (AEP) and the Medicare Advantage Open Enrollment Period (MA OEP). Outside of these periods, you may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving, losing other coverage, or becoming eligible for Medicaid.
What are the different parts of Medicare?
Medicare is divided into four parts:
- Part A: Hospital Insurance
- Part B: Medical Insurance
- Part C: Medicare Advantage Plans
- Part D: Prescription Drug Coverage
Where can I get more information about Medicare?
For more information about Medicare, you can visit the official website at www.medicare.gov, contact the Medicare hotline at 1-800-MEDICARE (1-800-633-4227).
You can also give us a call and schedule a no-cost consultation where we can help you understand your options! Call us at 417-883-9300 or click “Call Now” below:
