Umbrella Insurance

NC Umbrella Insurance

Despite your best efforts to find the best possible liability insurance protection, you might still feel too exposed in today’s litigious society. It’s certainly a concern to keep in mind as you explore your options. One such option, however, is an umbrella insurance policy from Wagoner Insurance available to all NC residents. 

What is NC Umbrella Insurance?

Much like an actual umbrella, your umbrella liability coverage protects you from a variety of liability issues that may come your way, including liability judgments that exceed the scope of your standard liability coverage and protection for some events that are typically excluded from general liability policies. 

Why Buy an NC Umbrella Insurance Policy?

It's hard to overlook the increasingly litigious nature of the world in which we live and work in today. People sue for a wide variety of slights and injuries, actual and perceived. The costs of litigation, though, are punitive in their own rights. Umbrella coverage helps to cover the costs of your legal defense as well as any payments awarded – especially when those awards exceed the limits of your general liability policy.


Why is this additional coverage so important? Without it, your personal assets could be at risk in order to cover the damages awarded the other party in an accident or in the aftermath of an injury that occurred in your home or on your property.


In a lengthy courtroom battle, it’s conceivable that the legal fees alone may exceed the scope of your general liability coverage. That means your family is on the hook for the full force of damages levied against you. These are events you don’t want to lose sleep over, especially when a small investment in umbrella coverage can spare you the lost sleep and your family the heartache of such an experience.

Who Needs Umrbella Insurance Coverage?

In the state of North Carolina, most everyone can benefit from this coverage. Whether you own or rent your home does not matter. You never know what life is going to throw your way. If you own any of the following you need umbrella coverage:

  • Home
  • Automobiles
  • Recreational Vehicles (RVs)
  • Boats
  • Personal Watercraft
  • Motorcycles
  • ATVs
  • Antique Automobiles/Hot Rods

The state of North Carolina offers many opportunities for residents to play hard, and sometimes people get hurt. If someone is injured on your property or by property you own, then you need the blanket protection an umbrella policy provides.


It’s not only about the financial benefits umbrella insurance provides. But about the peace of mind it delivers. Chances are you carry an umbrella in your car on sunny days because you never know when a storm might pop up. Your umbrella insurance policy offers the same kind of protecting for unexpected legal storms that can ruin your financial outlook without that little bit of umbrella protection on your side.