{"id":687,"date":"2026-10-31T12:00:00","date_gmt":"2026-10-31T18:00:00","guid":{"rendered":"https:\/\/www.allins.com\/blog\/?p=687"},"modified":"2026-10-28T04:06:56","modified_gmt":"2026-10-28T10:06:56","slug":"will-umbrella-insurance-cover-an-accident-on-my-property-if-my-home-insurance-hits-its-limit","status":"publish","type":"post","link":"https:\/\/www.allins.com\/blog\/will-umbrella-insurance-cover-an-accident-on-my-property-if-my-home-insurance-hits-its-limit\/","title":{"rendered":"Will umbrella insurance cover an accident on my property if my home insurance hits its limit?"},"content":{"rendered":"

If an accident occurs on your property, your mind will race toward the details of your Scottsdale, AZ home insurance policy. However, home insurance coverage has limits. <\/p>\n

What happens when those limits are exceeded?<\/p>\n

Umbrella insurance saves the day. However, if you have home insurance without the backup protection of umbrella insurance, you run the risk of exhausting your policy’s coverage and paying the rest out of pocket.<\/p>\n

Accidents at Your Property<\/h2>\n

Most home insurance policies have standard personal liability coverage limits capped at a couple hundred thousand dollars. In the event that an accident at your property surpasses those limits, you’ll need umbrella insurance.<\/p>\n

This way, a slip and fall, pool accident or dog bite at your property won’t bankrupt you or deplete your savings. Instead, you’ll tap into the umbrella insurance after your home insurance limits are surpassed.<\/p>\n

The Lifesaver Insurance You’ve Been Looking For<\/h2>\n

It all boils down to this: you shouldn’t have to pay out of pocket when conventional home insurance hits its limit. However, such scenarios are quite possible.<\/p>\n

Instead of subjecting your personal finances to the risk of an injured party litigating to pursue the balance beyond home insurance limits, be smart. Choose umbrella insurance and you’ll rest easy knowing you have additional coverage applicable when the primary policy runs out of coverage.<\/p>\n

Alliance Insurance Partners is on Your Side<\/h2>\n

If you are considering umbrella insurance, do your due diligence. Give Alliance Insurance Partners a call at 602-427-4300 to learn more about umbrella insurance coverage. We serve the entirety of the greater Scottsdale, AZ area.<\/p>\n","protected":false},"excerpt":{"rendered":"

If an accident occurs on your property, your mind will race toward the details of your Scottsdale, AZ home insurance policy. However, home insurance coverage has limits.  What happens when those limits are exceeded? Umbrella insurance saves the day. However, if you have home insurance without the backup protection of umbrella insurance, you run the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[67,69,47,68,71],"class_list":["post-687","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-alliance-insurance-partners","tag-az","tag-insurance","tag-scottsdale","tag-umbrella"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t