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Most tenants consider renter’s insurance as basic coverage that is a standard choice for wise renters of any age. At Heimgartner Insurance Inc., we tailor insurance to our Sioux City, IA customers’ needs, going beyond basic insurance to provide additional benefits. One of these options for renters is umbrella insurance, coverage that goes beyond basic liability and property coverage at a reasonable cost. It’s not just for those with significant assets, homeowners, and those who risk liability in their activities such as recreation. Still, when you go boating around expensive yachts, are renting while you look for another house with significant funds in the bank, or have other sources of financial exposure, umbrella coverage can be excellent protection.

Umbrella Coverage is Easy to Choose

As an add-on, umbrella insurance is easy to select and generally affordable, so renters can protect their assets and income in the case of liability and benefit from other risk protection as well. It’s increasingly an important option for those with a high income, high rent situation, who need protection even though they’re not traditional homeowners. If your recreational choices or other activities could expose you to higher risks, umbrella coverage can also provide a reasonable way to absorb surprisingly high liability in certain situations. Ask your Heimgartner Insurance Inc representative how this could apply to your lifestyle and provide benefits beyond your renter’s insurance.

Consult With Us

When buying insurance, you can benefit from specific coverage and multi-policy discounts by thinking about your whole financial and insurance picture. Let our experienced agents help you in Sioux City, IA answer your questions about insurance for your life today and planning for the future. We often have suggestions for our clients based on our experience, that get you better protected!

As a business owner, you have assets and other business-related things that you need to protect. Your current business insurance policy may meet most of your needs, but situations may require more than your primary insurance will cover. Even as a small online business owner, there are things you need to protect to keep your business running. Our Sioux City, IA team at Heimgartner Insurance Inc is committed to helping small business owners understand the benefits of umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is secondary insurance designed to kick in once the maximum limits of your primary insurance have been met. This insurance covers anything that exceeds the limits of your primary insurance.

However, there are instances when umbrella insurance can act as primary insurance if a situation, circumstance, or incident isn’t covered at all by your primary insurance. Of course, the guidelines of your umbrella insurance policy determine if your umbrella insurance can cover situations not covered by primary insurance. Every insurance company will have its own guidelines and eligibility requirements.  

I have a very small online business. Do I need umbrella insurance?

Maybe. As an online business owner, you need to discuss the risks and potential pitfalls with an insurance agent. You’ll be able to gauge whether or not umbrella insurance will be a necessity or beneficial.

As an online entrepreneur, you’ll still want protection from liability claims as well as protection for your brand and data. As a result, umbrella insurance may be a good investment for providing extra protection should any situations that compromise your brand or pose liability risks emerge.

Looking for Insurance in Sioux City, IA?

If you have questions about umbrella insurance, we’re here to answer them. Call us at Heimgartner Insurance Inc.