Most people in Pittsburgh, PA get umbrella insurance to ensure their finances are protected in case something happens, like a car accident, and standard policies aren’t enough to cover the incident. Children can also end up at the center of lawsuits due to defamation or car accidents. However, it’s usually the parents who have to pay the settlement. It makes sense to wonder if you can get a policy on your kids.
Typical Coverage for Children
Most people don’t get a standalone policy for children. Instead, kids are usually automatically covered under the parents’ policy. The policy can also cover other household members and children away at college. Typically, it will cover anyone who uses the same address as a residential address.
This varies by company, so it’s important to speak with a Stalwart Insurance representative to make sure your kids are covered. Let an agent know whether they live at home so children away at college are covered.
What Does Umbrella Insurance Cover For Children?
These policies work the same way they do for adults. The policy will act as an additional liability policy. This means that it will not cover damages to your child, but it may cover damages to other people or their property if your kid is at fault. It can also cover legal defense costs if a lawsuit is filed.
Learning how umbrella insurance works can be challenging. Our experienced agents can explain how it works, like a secondary policy, whether children have automatic coverage, and more. Contact the representatives here at Stalwart Insurance today to learn more. We’re currently serving the Pittsburgh, PA area.
