Living near the water is a dream for many homeowners, offering stunning views and access to outdoor activities. However, waterfront properties come with unique risks that standard insurance policies may not fully cover. Umbrella insurance provides an extra layer of protection, ensuring homeowners are prepared for unexpected liability claims and financial challenges.
Why Waterfront Properties Need Extra Coverage
Homes near Lake Pontchartrain or other waterfront areas in Mandeville, LA, often feature amenities like docks, boats, and outdoor spaces. These features can increase the likelihood of accidents, such as injuries to guests or damage to neighboring properties. Umbrella insurance steps in when your primary homeowners or boat insurance policy reaches its limit, covering legal fees, medical expenses, and settlements.
Common Liability Risks for Waterfront Homeowners
Waterfront living comes with unique scenarios that may lead to liability claims. For example:
- Boating Accidents: If your boat causes damage to another vessel or injures someone, umbrella insurance can cover costs beyond your boat policy.
- Slip-and-Fall Injuries: Guests visiting your dock or outdoor spaces may be at risk of accidents.
- Property Damage: Storms or high winds could lead to debris damaging neighboring homes or structures.
Protect Your Lifestyle with Umbrella Insurance
Umbrella insurance is an affordable way to safeguard your assets and enjoy waterfront living without financial worries. It’s designed to provide peace of mind for homeowners who want comprehensive protection.
Get Covered with Chabert Insurance of the Northshore
At Chabert Insurance of the Northshore, we help Mandeville homeowners find the right umbrella insurance policy to protect their waterfront properties. Contact us today to learn more about extending your coverage and securing your lifestyle.
