Bob Wool Insurance Agency

In today’s world of lawsuits, courts are awarding larger amounts of money than ever for accidents, despite the fact that most policies have a limit on liability insurance. Thus, having umbrella coverage is important for everyone.

Most umbrella policies exclude claims connected to the use of so-called "non-traditional watercraft" such as jet skis and air boats. Snowmobiles are not included in the list of exclusions.

Keep in mind that most insurers offering umbrella coverage require the insured to have a certain level of liability limits on auto and homeowners policies. Speak to your agent to find out what these requirements are.