Pets are usually covered under a homeowners’ insurance policy. However, there are many times when that insurance isn’t enough to meet an Allen, TX, pet owner’s needs. Umbrella insurance can make up for gaps in coverage and increase your liability limits to protect you from costly lawsuits.

What Does a Personal Umbrella Insurance Policy Cover?

The main benefit of umbrella insurance is that it kicks in when you reach the limits of your home insurance policy’s liability coverage. This extra compensation can be used to pay for a settlement or judgment, or to cover legal bills. It’s a good thing, too, because the average pet-related claim is almost $50,000. 

Umbrella insurance also covers off-property incidents, even though these aren’t covered by a homeowners’ insurance policy. Such situations can include your pet biting someone at a local park and tearing up the furniture in a friend’s living room. This type of insurance may even cover dog breeds that your homeowners’ policy won’t cover, or cover problematic dogs that have been kicked off a home insurance policy in the past.

Call Texas Independent Insurance to Get Covered Today

More personal injury claims are filed in Texas than any other state, except for California and Florida. Dog bite claims are common and Allen, TX, pet owners would be wise to ensure they’re properly covered at all times. Our team at Texas Independent Insurance is always happy to answer questions and offer recommendations regarding umbrella insurance for pet owners, making it easy for you to find the best policy at a good price. Give us a call to find out more about our umbrella insurance policy options, or to get a list of price quotes.