Your own stretch of ‘highway’

Whether your driveway is brick pavers, a long stretch of gravel or dirt, your driveway is your responsibility — make sure it’s properly maintained so it won’t become a hazard.

Driveways need regular maintenance to stay in proper condition, as uneven pavers, cracks or potholes are common problems. Not only unsightly, they can be hard on your vehicle and, more importantly, present a tripping hazard. If someone trips and falls on your property you could be held legally responsible for their injuries.

What would you do if you were held liable for a mishap that occurred on your property and caused damage or injuries beyond the limits of your policy? Worse yet, what if you were named as the defendant in a lawsuit because of damages or injuries that occurred on your property? While we don’t expect the unthinkable to happen, sometimes it does. Although there’s no way to completely avoid the possibility of being sued, there is a way to help reduce the potential impact of a devastating lawsuit: Personal Umbrella Liability coverage.

Why you need umbrella coverage
Farmers Personal Umbrella Liability insurance supplements the liability coverage you already have with your homeowners or auto insurance and provides an extra layer of protection through increased or excess coverage limits. The umbrella policy kicks in when you reach the limit on your underlying liability coverage. Most importantly, the cost of your legal defense is provided for a covered loss.


Plan for the unexpected
Protect what you have worked to achieve, and your future — you never know when the unexpected may occur. Make sure you’re prepared, and don’t forget your umbrella. Call me for more information.