You may have heard the term "umbrella insurance" and only have a vague idea of what it is. This questionnaire by Griffith Insurance LLP, serving West Chester, PA, will help you understand how umbrella insurance works and whether you may need it.

Umbrella Insurance Questionnaire

If you answer "yes" to any of these questions, you may have a risk that we recommend you discuss with an agent.

1. Do you own a home, condominium, or rental property?

Anyone who owns real estate has higher exposure to slip-and-fall and other lawsuits.

2. Do you have more than $50,000 in savings, investments, or assets?

The more you have, the more someone can pursue in a lawsuit.

3. Do you have a teen driver in your household?

Teen-related car accidents are a significant liability risk.

4. Do you host parties, barbecues, or gatherings at your home?

If you serve alcohol, it increases the potential for a lawsuit.

5. Do you own a dog, pool, trampoline, ATV, or boat?

These are top categories for major liability claims.

6. Do you rent out a property or room to guests?

If you collect rental income, you may have extra legal exposure.

7. Do you share personal opinions, photos, or videos publicly online?

Your social media use may trigger defamation or harassment claims.

8. Do you volunteer, coach, or serve on a board?

You may have liability exposure not covered by basic policies.

9. Do you often commute long distances or drive for work?

More time on the road equals a greater chance of having an accident.

10. Could a lawsuit wipe out your savings or force you into debt?

If the answer is yes, umbrella coverage fits.

Work with your agent at Griffith Insurance LLP. They’ll explain the coverage (including umbrella insurance) that may be helpful for you. We’re currently serving West Chester, PA.