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Arizona Umbrella Insurance
Arizona is full of adventure, from the Grand Canyon views to the local festivals and outdoor activities in Tuscon and Phoenix. But with all that excitement comes unpredictability, and sometimes, even the best insurance coverage just isn’t enough. Umbrella insurance can back you up when unexpected expenses go beyond what your standard policies can handle. At Mercury, we offer affordable umbrella insurance that’s built for Arizonians, so you can focus on making the most of life in the Southwest.
What Does Umbrella Insurance Cover in Arizona?
Umbrella insurance provides an extra layer of liability protection when your main policies, like home or auto insurance, reach their coverage limits. Think of it as a safety net to keep you from facing hefty out-of-pocket expenses when the unexpected strikes. Here’s what umbrella insurance typically covers for Arizona residents:
- Bodily injury claims: If someone is injured on your property or in an accident involving your car, and their medical expenses exceed what your primary insurance covers, umbrella insurance can step in to cover the additional costs.
- Property damage claims: Whether it’s damage to someone else’s property in a car accident or an incident at your home, umbrella insurance helps cover those costs that go beyond your regular policy limits.
- Legal defense costs: Legal fees can add up quickly, especially if you’re facing a lawsuit. Umbrella insurance helps with your legal defense costs if you’re ever sued.
- Lawsuits for defamation, libel, or slander: Umbrella insurance can help cover the associated costs for lawsuits related to defamation, libel, or slander, protecting you against claims that damage someone’s reputation.
Umbrella policies generally extend coverage worldwide for the entire family. Some policies may also cover false arrest and imprisonment, wrongful entry or eviction, malicious prosecution, and even assault and battery.
What Does Umbrella Insurance Not Cover in Arizona?
Umbrella insurance is there to protect you when unexpected, large liability claims arise - but it has limits. Here’s a rundown of what umbrella insurance typically won’t cover:
- Property damage: Umbrella insurance doesn’t cover damages to your own property. It’s focused on protecting you from liability claims, so you’ll need your homeowners insurance to cover property losses.
- Business-related liabilities: If you own a business or have commercial property, umbrella insurance won’t cover claims related to those activities. For business-related risks, you’d need a separate business insurance policy.
- Intentional acts or criminal activity: Umbrella insurance won’t protect you if you intentionally harm someone or engage in illegal activities. It’s there to cover accidents and unforeseen events, not situations where you’re at fault on purpose.
Who Should Consider Umbrella Insurance in Arizona?
If you’re not sure if umbrella insurance is right for you, these groups of people usually benefit the most from having that extra layer of protection:
- High-net-worth individuals: If you have substantial assets — such as savings, investments, or multiple properties — umbrella insurance is a must. It helps shield your wealth from large liability claims that could put your assets at risk.
- People who host or entertain often: If you love having gatherings or hosting events, you’re more exposed to potential claims from accidents or injuries. Umbrella insurance can help cover any claims that might come up.
- People who own risky items: If you own high-risk items, like a pool, trampoline, or ATVs, umbrella insurance adds an extra layer of security in case of accidents.
- Landlords: If you rent out a property, umbrella insurance can protect you from liability claims related to your rental, like a tenant or visitor getting injured on your property.
- Pet owners: If you have pets, especially larger dogs, umbrella insurance can be helpful in case of incidents where someone might get injured.
How to Get Umbrella Insurance in Arizona
Getting umbrella insurance in Arizona is easy with Mercury. Simply reach out to one of our local Arizona agents here to get started with a quote. They’ll help you determine the right amount of coverage and guide you through the process. You can also call us at (855) 892-6534 or start a quote online.
How Umbrella Insurance Works with Existing Policies
Umbrella insurance acts as a safety net that kicks in to cover costs beyond what your home or auto insurance policies can handle, which keeps you from having to pay large out-of-pocket expenses.
Most umbrella insurance policies start at $1 million in coverage, but you can add more if you need it. This extra coverage is designed to fill any “gaps” that might leave you financially vulnerable in big claims or lawsuits. For example, you’re in a serious car accident and are found at fault. The other driver has severe injuries, and the total costs, including medical bills and damages, reach $500,000. If your auto insurance covers up to $300,000, umbrella insurance would step in to cover the remaining $200,000.
What Is the Cost of Umbrella Insurance in Arizona?
According to Forbes, the average cost of umbrella insurance is $383 a year for $1 million in coverage. Of course, your actual premium may vary based on factors like the amount of coverage you choose, the risks associated with your lifestyle, and even your insurance provider.
If you’d like a more specific quote, reach out to an Arizona insurance agent who can help tailor a policy that fits your needs and budget.
How Much Umbrella Insurance Do You Need in Arizona?
How much umbrella insurance you need depends on your situation. A good rule of thumb is to have enough coverage to protect everything you own. Mercury offers policies starting at $1 million, but you can always add more if you need extra protection. When deciding on the right amount, think about your savings, the value of your home, and any other assets you want to keep safe.
Connect with an Arizona insurance agent today!
Mercury Insurance Coverage in Arizona
Along with umbrella insurance, Mercury offers several other policies to protect you and your assets in Arizona, including:
- Arizona Auto Insurance
- Arizona Homeowners Insurance
- Arizona Condo Insurance
- Arizona Renters Insurance
- Arizona Umbrella Insurance
- Mechanical Protection
Arizona Umbrella Insurance FAQS
What is the minimum coverage required for umbrella insurance in Arizona?
Arizona doesn’t require you to have umbrella insurance. However, if you decide to get it, most policies start at $1 million.
Can umbrella insurance cover business liability?
No. You would need a separate business insurance policy to cover those specific risks.
Does umbrella insurance cover rental properties in Arizona?
Yes, umbrella insurance can provide additional liability coverage for rental properties in Arizona. If you own rental properties, an umbrella policy can offer extra protection beyond your landlord insurance.
Do I need an umbrella policy in Arizona?
Umbrella insurance can be a smart choice depending on your situation. If you have significant assets, participate in activities that could increase your liability risk (like owning a pool or hosting events), or just want peace of mind, an umbrella policy is worth considering.
Is umbrella insurance tax-deductible in Arizona?
For personal use, umbrella insurance is generally not tax-deductible. However, if you get commercial umbrella insurance for business purposes, you might be able to deduct a portion of the premiums as a business expense. It’s best to consult a tax professional to see if you can maximize any potential tax benefits.