Tuesday, January 7, 2014

Umbrella Insurance: The Superman Policy

By Maryl Joop


Perhaps the most well-known superhero of all time is Superman. He's got everything. He is "faster than a speeding bullet, more powerful than a locomotive, and able to leap tall buildings in a single bound." His only weakness is Kryptonite. He is the model of honesty, justice, and humanity. Basically, he's the man.

Of course, many people prefer other superheroes like Batman, Wonder Woman, or Spiderman. These superheroes have their own strengths and weaknesses and are very cool in their own way. Batman is very thrifty and brave. Wonder Woman has her cool magic outfit.

Hold on tight to the wheel

This is why these superheroes provide the perfect analogy for Insurance. We can say Batman is auto insurance because he has the Batmobille. Wonder Woman can be travelers insurance because she has her invisible plane. Spiderman can be renters insurance since he tends to move a lot. Superman however, will be umbrella insurance since he runs around doing pretty much everything.

Emergency lights

Landlord Insurance is Suited for Landlords

The same goes for umbrella insurance, the Superman of insurance. Even though you may already have auto, travel and renters insurance, there are occasions when a problem or issue is just too big for one insurance policy to handle.

That is why an umbrella insurance policy is a great thing to have. It will cover left over expenses when regular insurance reaches its limit. It can cover sudden, unexpected, or rather unusual issues that no other policy is able to cover.

If you have never changed a tire before and you are right off of the highway with speeding cars whizzing by, then you will probably be too stressed to do it right. This is not the time to be a hero so if you can call a tow truck or have Car Insurance from Frisco that covers it, make sure you do that instead. Really, even though changing a tire can be easy, if you don't have the right tools and tire then you will not be able to get it done.

Don't refuse the help of Superman just because you wear Batman underpants. So get your Auto Insurance, Travelers Insurance, and Renters Insurance from Kemper Insurance Frisco, but remember to back yourself up with the Superman of all insurance policies: your umbrella insurance.




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