Charleston, SC residents who travel a lot and are concerned about the repercussions of an auto accident, personal or bodily injury to others, inadvertent property damage, or a lawsuit may want to consider umbrella insurance for international travel from SCF Solutions. This type of insurance doesn’t take the place of other insurance policies, but can increase your liability limits for situations that regular insurance policies won’t cover.
What’s Covered
Coverage varies depending on the policy you pick. It’s very important to read the fine print before you sign on the dotted line to avoid unpleasant surprises later on. Even so, there are some instances that are typically covered by most umbrella insurance policies. These include property damage, injury and medical liability for others, legal fees, and settlement/judgment payments. Anyone who is covered by your regular insurance policies, such as your spouse and children, will also be covered by your umbrella policy.
What’s Not Covered
Umbrella insurance for international travel covers your liability for damage you cause to others. It is not a replacement for your own travel insurance policy, which typically includes coverage for your losses, such as cancellations and medical expenses. It’s usually intended for short-term trips out of the country. If you’re moving abroad or planning a long international stay, make sure your policy won’t expire before you return. (Some policies expire in as little as 90 days.) Additionally, umbrella insurance doesn’t cover instances involving a vehicle or property you own abroad. Business travel is also not covered, although you can purchase a separate policy if you travel for business.
Need Help? Call SCF Solutions
Our team at SCF Solutions is always happy to help people living in and around Charleston, SC find insurance that meets their needs and budget. Give us a call to find out more about our umbrella insurance policies for international travel or to get price quotes.
