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Umbrella Insurance: Why Winter Is Peak Claim Season

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Many people think umbrella insurance is only for the wealthy or people with “a lot to lose.” In reality, winter is one of the most common times we see situations where an umbrella policy can step in—and save someone from a major financial hit.

Why Winter Increases Liability Risks

Winter brings a perfect storm of hazards:

  • Icy sidewalks and driveways
  • Slippery stairs and entryways
  • Snow-covered roads leading to serious auto accidents
  • More guests in your home during the colder months

A single slip-and-fall or auto accident can easily exceed the liability limits on a standard home or auto policy.

Where Standard Policies Fall Short

Most homeowners and auto policies include liability coverage, but limits are often:

  • $300,000 on a homeowners policy
  • $250,000 / $500,000 on an auto policy

Medical bills, lawsuits, and legal fees can exceed those limits quickly—especially in severe injury cases.

How an Umbrella Policy Helps

An umbrella policy provides additional liability coverage on top of your home and auto policies. It can help cover:

  • Bodily injury claims
  • Legal defense costs
  • Lawsuits related to accidents on your property
  • Serious auto accident claims

Coverage typically starts at $1 million and is surprisingly affordable.

Who Should Consider an Umbrella?

You may want to consider an umbrella policy if you:

  • Have a home or rental property
  • Drive regularly, especially in winter conditions
  • Have teenage drivers
  • Entertain guests at your home
  • Want extra peace of mind

Winter accidents happen fast—and the financial consequences can last years. Umbrella insurance is one of the simplest ways to protect yourself.