Umbrella Insurance and Liability Coverage Can Help Protect You

Protect Yourself and Your Family with Liability Insurance

DENVER, CO, July 1, 2007 -- Your liability insurance is probably the last thing on your mind as you make plans for your summertime vacations, road trips with the family, or get ready to put your boat on the water. The experts at NetQuote, the leading online marketplace for insurance, highly suggest you put the liability coverage in your home insurance and auto insurance policies at the top of your priority list.

The National Safety Council NSC) uses the month of June and the start of summer to promote National Safety Awareness Month, due to the large numbers of accidents and injuries that happen during this season. Your liability insurance protects you in the event of an accident or personal injury that takes place on your property, in your car or in other recreational vehicles. So summertime is the right time to review your current auto insurance, home insurance, ATV or boat insurance to see if your current liability coverage is sufficient enough to protect your assets.

Accidents at Home and On the Road

According to the Home Safety Council, the home is the second most common location of unintentional accidents in the United States, resulting in an average of 10 million people having to visit an emergency room every year. So think about this when planning your Bar--b--ques and pool parties. If someone were to be injured on your property, you could potentially be sued by the injured party for medical bills, rehabilitative therapy, and lost wages. Your home insurance's liability coverage protects you for personal injuries and also covers any applicable legal fees you may incur.

The U.S. Department of Transportation reports that there are more severe accidents in the summertime, where long periods of daylight occur and there is increased traffic on our highways. If you're in a car accident involving injuries, or you cause property damage with your car, the liability portion of your auto insurance covers per person bodily injury, per accident bodily injury, along with per accident property damage. The same scenarios apply for ATV insurance and boat insurance, which require separate policies from your auto.

People Turn to Umbrella Insurance for Added Protection

Even if you have home insurance or auto insurance liability coverage, it isn't always enough. If you are sued for $500,000, but your policy provides only $200,000 in liability coverage, the remaining $300,000 comes straight out of your pocket. Personal assets are at risk and you could have your wages garnished for a number of years.

More and more people are purchasing umbrella insurance because of the added liability protection it provides at a very reasonable cost, typically around $15 a month. This protection kicks in when the liability payouts on your other policies have been depleted. Umbrella policies can range from hundreds of thousands in coverage to upwards of $5 million, so talk to your agent about the right umbrella policy for you.

Even if don't own a home and but rent an apartment in San Francisco or New York City, as you begin to accumulate assets such as investments, electronics, cars, or boats, getting a quote on an umbrella policy is a smart financial decision.

Have you checked your home liability insurance lately? Have you thought about umbrella insurance? Are you buying a new boat or ATV? If you answer "yes" to any of these questions, then now is the time to get quotes on these types of insurance so you can relax and enjoy all your summertime activities.

Getting auto insurance quotes and home insurance quotes is easy. See how NetQuote can help you to ensure you're protected during these summertime months, so you can relax and enjoy the fun of the season.

About NetQuote, Inc.

NetQuote ® is the Internet's most popular comparison insurance website that connects consumers with multiple insurance agents that compete for their business. Since 1989, we've connected more than 20 million people to the web's largest network of local insurance agents and national insurance carriers. NetQuote saves consumers time and money with objective insurance information and comparison shopping services for auto, home, renters, health, life and business insurance via We partner with the nation's top insurance carriers including Allstate ®, Nationwide ®, AIG ® and Progressive ® to make sure our consumers get the right policy at the best price.

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