• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us Call Us Today | 864.964.0622
Select Insurance, LLC
Get A Quote Now
  • Home
  • Get A Quote
  • What We Offer
    • Automobile
    • Bonds
    • Business & Commercial
    • Collision
    • Dental
    • Farm
    • Flood
    • Health
    • Homeowners
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • SR-22
    • Trucking
    • Vision
    • Watercraft & Boat
    • Windstorm
  • Customer Service
  • File a Claim
  • Make a Payment
  • Blog
  • Resources
    • Important Links
    • Important Files
    • Partners
    • Refer a Friend
  • About Us
    • About Select Insurance, LLC
    • Customer Testimonials
    • Employee Directory
    • Our Locations
    • Privacy Policy
  • Where We Serve
    • Abbeville
    • Anderson
    • Greenville
    • Spartanburg
    • Honea Path
  • Contact
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Home & Renters Insurance HOMEOWNERS

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different coverage options that fit your specific needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog > Dogs and Umbrella Insurance
FRIDAY, APRIL 8, 2016

Dogs and Umbrella Insurance

Love Bites—Get Umbrella Coverage

 

In today’s economy, everyone is pinching pennies.  So why worry about umbrella coverage?  Shouldn’t a home and auto policy leave you adequately covered? 

 

Unfortunately, we live in a world of lawsuits.  Large damages can be awarded, be extremely expensive and have long-term financial impact.  Those lawsuits can come from unlikely sources, such as our furry friends.

 

Take Herschel for instance.  Herschel is a much-loved, rather timid labradoodle who enjoys taking naps on the driveway while his owner mows the lawn.

 

Herschel watched from eight feet away as his neighbor, a 39 year old man, showed off his rollerblading skills to his kids.  The man wiped out on the sidewalk in front of Herschel’s house and broke his leg.  He required surgery, costing around $35,000 in medical costs and $18,000 in lost wages.

 

Fair or not, the man brought a lawsuit against Herschel’s owner, suing for $220,000 in damages.  He alleged that Herschel had caused the accident by getting in his way, despite multiple witnesses to the contrary. 

 

But Herschel’s owner was lucky--a jury vindicated Herschel. However, lawsuits such as these can easily exceed the limits on a homeowner’s policy, leaving the insured responsible for the remainder.  An umbrella policy would prevent that, giving you an extra $1 million to $5 million in coverage.

 

Our furry friends can put your assets at risk in other ways as well.   According to the Center for Disease Control and Prevention, 4.7 million people are bitten by dogs each year, with half of those occurring on the owner’s property.  Dog bites, according to the Insurance Information Institute, account for about a third of all homeowner’s insurance claims, which only cover limited damages.

 

 Protect what you love.  Call us to talk about your umbrella options. 

Posted 12:19 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2011
  • 2010
  • 2009
  • 2008

  • select insurance(42)
  • business insurance(13)
  • auto insurance(12)
  • car insurance(10)
  • contractors insurance(7)
  • home insurance(7)
  • boat insurance(6)
  • commercial auto insurance(5)
  • motorcycle insurance(4)
  • commercial insurance(4)
  • life insurance(2)
  • general liability insurance(2)
  • workers compensation insurance(2)
  • covid-19(2)
  • classic car insurance(2)
  • moving(1)
  • construction insurance(1)
  • renters insurance(1)
  • flood insurance(1)
  • umbrella coverage(1)
  • liability insurance(1)
  • watercraft insurance(1)
  • insurance(1)
  • foremost insurance(1)
  • roadside assistance(1)
  • general liability(1)
  • upstate south carolina(1)
  • hurricane(1)
  • pet insurance(1)
  • homeowners insurance(1)
  • preparedness(1)
  • hurricane insurance(1)
  • umbrella policy(1)
  • personal umbrella insurance(1)
  • home(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Allstate
Progressive
Safeco
Travelers
Foremost
National General
Great American
Twitter

Resources

About Us Get a Quote Join Our Mailing List Contact Us

Contact Us

Map
  • Primary Location
  • 1026 S Main Street
  • Anderson, SC 29264
  • –
  • O: 864.964.0622
  • F: 864.964.1636
  • Click for other office locations
© Copyright 2021. All rights reserved.
Powered by Insurance Website Builder