Umbrella insurance in Collierville, TN can do more than just provide you with personal liability protection; it can also protect other family members. There are a few criteria people need to meet to be added to your policy.
Relationship
People whom you consider family members cannot automatically be included on your policy. You must be related by blood, marriage, or adoption. Distant cousins may be excluded from this. Some companies will only include first or second cousins. It’s important to speak with an agent here at Brock and Poole Insurance Agency to learn what rules apply to your situation.
Address
Individuals who have the same home address as you can usually be included in your policy. This includes children or relatives who are away at school but still use your address as their residential address. People who live elsewhere usually can’t be included on your policy.
Other Policy Coverage
Most companies require that people be included on your home and auto policies before they can be added to your personal umbrella insurance policy. Some will allow them to keep their own policy, but they must meet specific coverage requirements to qualify for an umbrella policy.
Rules regarding who can be added to your policy vary widely by company. These rules are also always subject to change. That’s why it’s best to speak with a professional about your specific situation to determine whether your cousins can be added to your policy.
Agents here at Brock and Poole Insurance Agency will take the time to listen to your concerns and answer any questions you have. Contact us today to learn more. We’re currently serving the Collierville, TN area.
