{"id":166,"date":"2025-03-28T04:00:00","date_gmt":"2025-03-28T10:00:00","guid":{"rendered":"https:\/\/www.lhfinsurance.com\/blog\/?p=166"},"modified":"2025-03-22T12:15:57","modified_gmt":"2025-03-22T18:15:57","slug":"im-a-homeowner-do-i-need-umbrella-insurance","status":"publish","type":"post","link":"https:\/\/www.lhfinsurance.com\/blog\/im-a-homeowner-do-i-need-umbrella-insurance\/","title":{"rendered":"I&#8217;m A Homeowner. Do I Need Umbrella Insurance?"},"content":{"rendered":"<p>If you&#8217;re a homeowner, you likely already have home insurance. While your home insurance may provide protection and security, some homeowners choose to get additional &quot;umbrella insurance.&quot; Umbrella insurance provides coverage when home insurance limits are reached. For the proper homeowner, umbrella insurance provides valuable coverage.<\/p>\n<p>The professionals at Land Home Insurance Services can help you decide if umbrella insurance is right for you. We work with many carriers and help homeowners find the right insurance policy for their needs. Our professionals can answer your questions and help you determine whether you need umbrella insurance.<\/p>\n<h2>Understanding Umbrella Insurance<\/h2>\n<p>Umbrella insurance is additional insurance that can provide coverage for property damage, injuries, and lawsuits beyond the personal liability coverage in your homeowner&#8217;s insurance policy. Umbrella insurance can provide coverage when your home insurance policy limit is exhausted.<\/p>\n<h2>Who Benefits From Umbrella Insurance?<\/h2>\n<p>If your assets exceed the maximum liability coverage limit on your home and auto insurance policy, then you may benefit from umbrella insurance. In other words, if your assets and net worth exceed $500,000, umbrella insurance can probably help you.<\/p>\n<p>The decision to get umbrella insurance is a personal one, but your insurance agent may provide guidance as you decide whether umbrella insurance is right for you.<\/p>\n<h2>How to Obtain Umbrella Insurance<\/h2>\n<p>If umbrella insurance is a good policy for your needs, talk to your insurance agent at Land Home Insurance Services. Our agents are trained to provide professional, valuable insurance information to our clients.<\/p>\n<p>Since we work with many carriers, we can also help you find the best insurance carrier for your budget and circumstances. You won&#8217;t need to shop around when you&#8217;re looking for insurance: we can do it for you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re a homeowner, you likely already have home insurance. While your home insurance may provide protection and security, some homeowners choose to get additional &quot;umbrella insurance.&quot; Umbrella insurance provides coverage when home insurance limits are reached. For the proper homeowner, umbrella insurance provides valuable coverage. The professionals at Land Home Insurance Services can help [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[13,19],"class_list":["post-166","post","type-post","status-publish","format-standard","hentry","category-umbrella-insurance","tag-land-home-insurance-services","tag-umbrella-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"If you&#039;re a homeowner, you likely already have home insurance. 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