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Kempton Insurance Group

7427 Matthews Mint Hill Rd
Suite 105-356
Charlotte, NC 28227


Insurance Blog

What is umbrella insurance and who should have it

When you think of an umbrella, a well-known insurance company may come to mind. The name is a very fitting since an umbrella offers protection from life falling down on you, and umbrella insurance protects you from the storms of life. An umbrella policy is a form of excess liability insurance. It supplements another policy you have with liability coverage, such as auto, home, and boat insurance. The team at Kempton Insurance Group in Charlotte, NC does the work for you when it comes to finding the perfect carrier to meet your needs. 

If you are in an auto or boat accident where you are found at fault, the medical bills can exceed the liability limit on your primary policy. With the cost of hospitalization, it isn’t hard to imagine that happening. When the limit of your policy is reached, your umbrella policy takes over. It covers the expenses up to the limit on the umbrella policy. It will also pay for legal costs if you are sued. Even if you win the case, the expense of defending yourself can be very high. 

An umbrella policy will protect you if someone is injured while visiting your house or if a friend or family member is in your car or boat when an accident occurs. Many scenarios can present themselves where you might be sued for injuries you are directly or indirectly responsible for. Without an umbrella policy, if you owe more than the liability on your policy, you will be liable to pay the excess amount out of pocket. 

At the Kempton Insurance Group in Charlotte, NC, we have been offering the finest in online services to our customers for the past 11 years. Let us help you to get the umbrella coverage you need. Call, fax, or visit us online to get a quote on auto and home. 

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