Florida living often comes with plenty of perks, such as sunshine, backyard pools, and maybe a deck for weekend cookouts. However, these same features that make a home enjoyable can also create risks. If someone gets hurt on your property, the costs don’t just stop at first aid. Lawsuits can drag on, and bills can add up quickly. That’s where umbrella insurance through Fuqua Insurance Agency, serving Tallahassee, FL, comes into play.
When Homeowners Coverage Isn’t Enough
A standard homeowners policy does include liability coverage, but its limits can be exhausted quickly. Imagine a neighbor slipping near the pool or a delivery driver tripping on the front steps. If medical expenses and legal fees exceed your coverage cap, the remaining costs fall on you. These expenses can be more than most families can handle.
The Extra Layer of Protection
Umbrella insurance acts as a backup. Once your homeowners’ policy reaches its limit, the umbrella coverage takes over. Coverage limits are much higher, often a million dollars or more, and apply to both damages and legal costs. It’s the kind of coverage you hope you’ll never need, but it provides security knowing it’s there.
Why Florida Homes Carry More Risk
With pools, patios, and frequent guest traffic, Florida homes often face a higher chance of accidents. Even minor incidents can escalate, especially if lawsuits follow. Umbrella coverage helps protect savings, property, and future income from being impacted by these situations.
For most homeowners, umbrella insurance through Fuqua Insurance Agency, serving Tallahassee, FL, is relatively affordable, especially compared to the protection it offers. It’s a smart decision that ensures your lifestyle doesn’t come with unnecessary financial risks. Life doesn’t have to be complicated. Keep things simple and protected with umbrella insurance. Contact us today to get started.
