The best insurance is the insurance you never have to use. This sounds paradoxical, but it’s a real thing. If you never have to use your insurance, it’s still there, giving you peace of mind, and it’s always in the background. Idaho Select Insurance serves Meridian, ID, and we can help you find the umbrella insurance coverage right for you. Here’s how to make the most of your umbrella insurance.

Minimize Access to Attractive Nuisances

A swimming pool in your yard is a great way to beat the heat. But without adequate protection to keep people out when it’s not in use, it can be, legally speaking, an "attractive nuisance," something that can cause harm. Make sure that access to it is controlled if you have a pool, a home basketball court, or another large outdoor exercise area.

Have enough umbrella insurance to cover your entire net worth

If you are sued, ensure your umbrella insurance covers your entire net worth. It’s a simple step you can take, but it requires a lot of work to find where your limits are. Umbrella insurance may also be necessary to cover future earnings if you have or are studying for a graduate degree, which may further affect your income. Income can be garnished as part of a legal judgment if you can’t pay immediately.

Know what umbrella insurance does and doesn’t cover

Idaho Select Insurance serves Meridian, ID, and our licensed and bonded insurance advisors can help you find exactly what umbrella coverage you need and discuss what it covers and can’t. Call us or come in today to start the conversation and protect your assets from liability today.