Aussie Agencies

1249 W Larson Sr,, Suite A
Knoxville, IA 50138

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Umbrella Insurance in Iowa


In the state of Iowa, no one is legally required to have umbrella insurance, but many people still choose to have this type of coverage. Here's what you need to know to decide if umbrella insurance is right for you.

Umbrella Insurance Basics

In general, umbrella insurance comes into play after you have exhausted your other insurance policies, like home and auto insurance. Because these policies have limits, you may run into financial trouble if a particular incident exceeds the limits of your policy. Your umbrella policy can then cover the remainder. It is not designed to replace your other insurance policies, but rather to act as additional coverage in case of real emergencies.

Why Umbrella Insurance Is a Smart Choice

Typically, the people who purchase umbrella insurance are people who have a lot to lose in the event of a lawsuit. They generally are homeowners with significant savings and other assets, which can make them prime targets for lawsuits after accidents and other mishaps. You may also want to have umbrella insurance if you own multiple properties and rent them out, whether on a short-term or long-term basis. Similarly, you would likely want to have this type of policy if you own and run your own business, especially if it involves working directly with the general public regularly.

Learn More about Umbrella Insurance

Here at Aussie Agencies in Knoxville, IA, we recognize that it can be a bit confusing to try to determine whether umbrella insurance is right for your needs. Fortunately, our insurance experts are here to help you out. We'll work with you to evaluate the other policy types in your insurance portfolio, as well as their limits. This way, we can make an accurate recommendation as to whether you need umbrella insurance and how much coverage your policy should include.

Reach out to Aussie Agencies today for all your umbrella insurance needs in Knoxville, IA and the surrounding areas.

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